Enterprise hardship etc Two-quarter credit gate real estate business loan queued awaiting trial

Waiting in line for loan applications from most real estate developers in production-oriented enterprises can only queue for trial Dong Juan as if the drought brought thirst, the first quarter of credit is coming to an end, companies have started early to the bank "queue for water", they wait for the two-quarter credit floodgates opened.　　What is the strategy for banks in the second quarter on new lending and credit? In the context of the restructuring of the credit structure, the "credit suspended" of the 2009 is not expected.　　This year's 7.5 trillion-dollar credit cake, the art of segmentation will undoubtedly be about the fate of businesses and banks. Waiting for the loan to come to an end in a quarter, a credit manager at the Shanghai branch of GF Bank is busy handling a new loan application from a foreign-trade kitchenware manufacturer. The company survived the financial crisis, the fourth quarter of this year to prepare for expanded reproduction, the need to introduce production lines, ready to apply for 2-year loan 10 million yuan. "But now I have to wait."　　The audit manager said that similar applications had accumulated dozens of pieces.　　In the Bank of the credit department looks, this year's foreign trade situation is still uncertain, in principle, the approval of such customers will be more stringent, and agriculture, energy-saving, environmental protection enterprises through the possibility of more loans. But this foreign trade type kitchen customer's reputation has been good for many years, and the bank has more capital settlement and other business dealings. "If it's 2009, it's not a big issue, and there's a limit." said the credit manager. The bank's credit cycle for big clients is usually controlled within 1 months, but this year's cycle has been significantly prolonged, a few days to a week.　　And the original for the small and medium business loans customers green channel of the trial and loan cycle is longer than the past two weeks. About to enter April, there are still more enterprises with loan demand. Shing, a head of the Shanghai branch of a state-owned bank, said the new line of credit for March was almost entirely exhausted by March 12 and is now waiting to be queued.　　As of this newspaper, the first quarter of the branch Shing the new loan balance is 10.87 billion yuan. The head of the Shing told reporters that a $5 million 1-year loan, which was handled in mid-February, had so far not reached a limit, and could only wait for a new "gate" at the beginning of April, and the loan application was in the forefront of the waiting list. And before the loan application, there are two of corporate clients lending to lenders.　　After March 12, the branch of several scattered loans are reserved, but also in order to meet the needs of the local banking regulatory bureau to do the Credit Act.　　It is understood that the current line of loans to the enterprises in the majority of production-oriented enterprises, and as a focus on the control of real estate loans, banks as early as March in the middle of the development of loans have no new amount available, real estate business loan applications can only be queued for trial.　　April credit "gruel" line waiting for the two quarter of the Bank of enterprises, but whether all the wish? Guangzhou Branch, a joint-stock bank based in Beijing, told reporters that the CBRC had been demanding balanced creditIn keeping with daily, weekly and monthly reports, even if the report changes in the second quarter, there is still a need to maintain a weekly loan quota. "Two-quarters of specific credit arrangements are still under discussion, as far as possible to ensure that by late June, there is still a limit."　　The joint-stock Bank Guangzhou branch said.　　For the two quarter allotted to the branch, a Shing in Shanghai branch of the state-owned bank said it was waiting for the overall credit data after March 31 and decided to launch the second quarter, initially estimating the overall amount to be flat in the first quarter and not above 10%.　　The joint-stock Bank, Guangzhou branch, said it had been criticized by the head office for using its entire March quota before March 10, and it is expected to reduce its overall two-quarter quota by 5% from a quarter earlier. Minsheng Bank (600016.SH) Shanghai Branch told reporters that the branches of the new loan quotas are still allocated by the headquarters. Usually by the head office according to the previous year's profit status, the last quarter of the lending rate and loan ratio and other specific conditions for the distribution. "In the two quarter, Shanghai branch will focus on clean energy and systems engineering projects related to people's livelihood." "The new loan quota for April was used to meet the approved projects in the first two months, and the companies that needed the money in the second quarter did not give up the quarterly loan application." After all, the more difficult it will be to apply for a loan.　　People's Bank of China Shanghai Branch said. In this gruel, some customers who perform buoyant rates are more likely to receive loans first.　　And some companies with a government background or share the cause of the enterprise can shorten the audit cycle, banks for these enterprises have no bargaining power, can only carry out the benchmark interest rate, individual projects even interest rate downward.　　In addition, most of the bank's "key clients", which have been able to get loans smoothly, are generally in a large scale, with a high degree of credibility, support from the industry, and even some government guarantees. China Business newspaper Weibo: Http://t.sina.com.cn/chinabusinessjournal