After a blowout in the credit, but not fully stopped lending

The reporter learned from the source that in January of this year, after the first to second week of faster credit, in the context of window guidance and some banks themselves to adjust the speed of credit, the third week, the size of the new credit was significantly lower than the previous two weeks, but not the market rumors of the overall moratorium on new credit.　　According to industry insiders expect this week's new credit will continue to maintain the trend last week. Previously, according to reporters understand that the first two weeks of January, the new credit scale of more than 1 trillion yuan. Since the second half of last year, the average monthly increase in loans of less than 400 billion yuan, so this uneven burst of growth has attracted the attention of regulators.　　Last week, banks adjusted for the rest of the month, based on their credit availability, but a number of banks are still lending on a step-by-step basis. Reporters from the central branch of a large bank learned that the bank's first three weeks of credit was more stable, and did not appear the kind of ups and downs of some banks. The source said that, at present, the target of credit is still in the end of last year has been examined by the old customers, not many new customers. This, he says, has to do with a longer period of time for banks to borrow from their loans to lend.　　In addition, the source said, as the future credit policy is expected to change, they are still "as fast as possible" on the principle of credit placement at the beginning of the year. In contrast, another big bank, while not stopping credit, has explicitly tightened the size of the bill. It has been revealed that the bank since last week, has fully stopped the bill financing. If it is necessary to finance the bill, it is necessary to transfer the assets to other banks at the same time, which in turn tends to shrink the overall size of the new credit.　　In addition, the correspondent learned from a branch of the bank that the bank's loans were mainly financed by maturing loans in the month, and in principle no longer added, which would, to some extent, reduce the size of new loans.　　Both the central bank and the Banking Regulatory Commission have emphasized this year the balance of credit delivery, preventing abnormal fluctuations between the month and the quarter, and increasing the sustainability of financial support for economic development. Regulators are therefore particularly concerned about the blowout in January of new loans. However, one industry personage points out that balanced lending does not mean that banking institutions need to maintain the same level of new credit every quarter or even monthly, nor necessarily an absolute quantitative indicator. It is still to be confirmed whether the pace of credit, such as "4:3:2:1" and "3:3:2:2", which is more common among banks, is in line with the demand of the real economy this year. The regulator's decision to determine whether banks are lending in a balanced manner will not be strictly "4:3:2:1" or "3:3:2:2", and will use market-based tools to adjust the tempo of each month or quarter, the person said.　　The main consideration is to guide the banking industry's demand for the real economy and put it as modest as possible. The person also said that for commercial banks, the end of the quarter, the month-long can be adjusted through the time of the trial and loan meeting to change the bank's performance testNuclear methods and other means to avoid. But any project has its own specific cycle, therefore, the credit in the process of reasonable fluctuations will be difficult to avoid, but to resolutely avoid abnormal fluctuations.