Banking regulator reiterates: no credit scale control

Interim measures for the administration of fixed assets Loans for public consultation to strengthen the whole process of loan management and guarantee the flow of credit to the real economy the CBRC 19th on the "Interim measures for the management of fixed assets loans" open to the Internet for comments.　　The relevant head of the CBRC said that the method was formulated to strengthen the whole process management of the loan, promote the transformation of the traditional loan management mode of commercial Bank, and improve the fine level of credit asset management of Commercial bank.　　He reiterated that the introduction of the "approach" does not mean that the CBRC will turn to credit policy, and the future CBRC would continue to implement the strategic deployment of "growth, expansion of domestic demand and structural adjustment", without controlling the scale and quantity of credit funds. Fixed assets loan refers to the foreign currency loan of the borrower's fixed assets investment, which is issued by the lender to the Enterprise (business) legal person or the other organization institution that can act as the borrower.　　The relevant head of CBRC disclosed that the "method" will give financial institutions a 6-month transition period to the existing loan management process to improve and improve. The method advocates the concept of loan payment management, strengthens the loan use management and enhances the commercial bank risk management and control ability. The lender shall manage and control the payment of the loan funds by the lender's fiduciary payment or by the borrower's independent payment. In the fixed assets loan, the single amount exceeds the total investment of the project 5% or more than 5 million yuan of the loan fund payment, should use the trustee to pay the way of the borrower.　　As for the special items and transaction objects that the lender is not supposed to pay, the "method" stipulates that, upon application by the borrower, the lender may take into account the borrower's credit status and the monitoring ability of the loan, and adopt the method of the borrower's independent payment.　　Bankers believe that the bank's investment in fixed asset loans has been very good supervision, the funds illegally diverted to use the space is not very large, the Banking regulatory Commission is the relevant provisions of the original loan system refinement. The relevant head of CBRC said that under the background of the current international financial crisis, the implementation of the "method" is beneficial to guarantee the effective supply of credit funds of commercial banks, scientifically and rationally allocate the loan resources, and guarantee the important projects of the credit funds flowing to the real economy and the livelihood of the nation.