Bank of credit asset seek direct transfer of water test

Every reporter Li flaw from Beijing after the bank letter cooperation was regulated, banks ' credit assets began to try "direct transfer". "Transfer mode buyout, transfer rate 4.86%, management fee 0.2%, transfer period of 21 months." "Recently, 3 bank credit assets from Tianjin and Zhejiang have been publicly traded in the Tianjin Financial Assets Exchange (hereinafter referred to as Tianjin Jinhui), which is controlled by the Great Wall Asset Company."　　This is the case for one of the projects.　　Yesterday (August 18), an analyst interviewed by the Daily economic news reporter pointed out that the bank was seeking a "direct transfer" of the credit asset transfer channel after the CBRC regulated the bank letter cooperation. 3 credit assets related to 1.9 billion yuan, it is reported that the 3 credit asset projects involved 1.9 billion yuan, of which 1 billion yuan project for mortgage loans, 700 million yuan project to guarantee loans, 200 million yuan project for the pledge loan.　　3 Project borrowers are involved in government financing platform, transportation and other industries. "We must be a member to buy a listed credit asset project."　　The head of the Tianjin Gold Exchange's credit assets trading platform said there were no other agencies expressing their intention to buy the 3 credit assets.　　According to the information of Tianjin Gold Exchange website members, we know that at present, in addition to the Hong Kong Agricultural Bank Investment Co., Ltd. and other relevant investment institutions, only China's Great Wall Asset Management has a considerable financial capacity to access. As one of the builders of Tianjin Zhang credit assets trading platform, the development of the platform is full of anticipation. He disclosed that the listed projects will be linked to the principal and interest rates, the buyer will pay in cash.　　In order to protect the seller, the details of the bank to which the listing project belongs will not be disclosed. Tianjin Gold Exchange Office director Liu told reporters that the current credit asset trading is still in the exploratory stage. The pricing mechanism of the listed items has not yet been introduced to a third party assessment agency, "or by the seller's bank itself, including the interest rate on the listed loans, and the buyers and sellers themselves can negotiate."　　"The establishment of Tianjin Gold Exchange Credit Asset trading platform is a great innovation both for Tianjin Gold Exchange itself and for the banking industry." "We opened this platform on the basis of the data analysis report through a large number of surveys of banks in Tianjin and Zhejiang."　　"Zhang said. Liu said that the establishment of the credit asset trading platform has been supported by the relevant regulatory authorities in Tianjin, and attracted the attention of many banks, "at present, Tianjin, Zhejiang, Dalian and other land banks began to talk to us about business." "Direct transfer or the next breakthrough in recent years, through the trust platform issued by the credit asset management products, gradually appear chaos.　　To this end, the CBRC issued on August 10, "on the regulation of silver Letter financial cooperation business related matters of the notice" to require commercial banks of silver letter financial products in the next two years from the table into the table. For banks, the direct transfer of credit assets becomes a new breakthrough after the cooperation standard of the Bank letter.　Therefore, the establishment of the trading platform of credit assets has also become the market demand.　"This is a progressive phenomenon. "Guotai Bank analyst Churuan told the Daily Economic news reporter, the bank transfer credit assets through the trust platform, is relatively private, lack of market transparency."　　When credit assets are pushed onto trading platforms, market transparency can be increased and risk manageable.　　"Although the platform is not well known to the industry, but at least it shows that the regulation of the transfer of bank credit assets is beginning to be blocked, Churuan said, its establishment is a regulation of bank credit asset transfer to open up the flow of bank credit assets to further adjust the structure of bank credit assets. Dongfohai, deputy governor of ABC's Beijing branch, said the Tianjin Gold Exchange's model is currently only a platform for information dissemination and has not involved the core of the transaction.　　If ABC has a transfer of credit assets, it may consider increasing transparency through an open platform. At present, Tianjin Gold Exchange's credit asset transaction may promote the transfer of credit assets of small and medium-sized banks to some extent, said Cheng, director of the Restructuring and acquisition division of the Bank of China's ICBC bank and the business School of Nankai University.　　But for big banks, it's hard to be attractive without relevant policy concessions and a more market-based system. Affect new loans? To see who buys "credit assets through direct transfer can provide banks with more room to lend in the second half of the year. At the same time, because the bank's loan concentration degree is different, also needs the transparent marketization way, adjusts the bank credit structure.　　"A person familiar with the transfer of bank credit business said to the daily economic news reporter.　　However, the total amount of new loans this year has been controlled by 7.5 trillion trillion yuan, if the bank of the previous credit assets to the table, whether it means that the total amount of new loans to face upward potential?　　In this regard, Cheng that it depends on who the last buyer is. "If a bank or Great Wall Asset management company takes over, it will not have an impact on the size of the new loan." As the seller's credit asset business will be transferred out of the table, although it is a buyout, the buyer will be included in the table, so it will not affect the banking sector as a whole.　　"Cheng said. However, if other institutions buy, it is another matter. Cheng analysis said that if other investment institutions buy, may be from the angle of investment, to invest in the company's bank loan assets, and then take to the company for shares, "so that the equivalent of the transaction of credit assets have been completely excluded from the entire banking table, it may affect the size of credit distribution." ”