Banks tightly control February credit lines

After entering the February, the credit resource of commercial Bank is tight. Bankers said that most commercial banks are still strict control of credit lines, the implementation of the daily credit reporting system.　　There are indications that some commercial banks have to tilt the credit resources to the quality of customers, personal loans and some small and medium enterprises loans have been affected. China Securities News reporter learned from a number of banks that since February, commercial banks continue to control the scale of risky assets.　　Some bankers said that in the face of increasingly fierce competition in the credit resources, banks are now focused on ensuring that quality customers do not lose. A large bank confirmed that the head office has requested that, starting from February 1, to control the issuance of credit operations, the implementation of a daily reporting system for lending, all loans issued by the need to report for approval.　　The branches to the day before 4 o'clock in the afternoon reported to be issued the next days to issue the amount of credit business, by the branch of the retail business approved by the approval of the party can be issued the next day, not reported in the days before, or after the report is not approved by the approval of the loan.　　A joint-stock bank said that at the end of January, the headquarters level has clearly requested the Sub-branch in February through prepayment, the day of the stock continued, the transfer of credit assets and other means of self-regulation, strict control of the loan balance. Recent credit asset transfer business has grown rapidly.　　Some banks have called for a rapid growth in lending since the start of the year, or even completed or close to the completion of the annual loan targets of the branch, the implementation of credit asset transfer business, the credit assets from the Bank table adjusted to the outside table. Industry insiders pointed out that the early bank lending was smooth, but at the end of the month is more difficult, because the credit index by the branch adjustment, the branch first to ensure the high quality of public customer loan needs, personal loans are squeezed. From the perspective of profit contribution, banks will also give priority to corporate lending.　　The 70 percent discount on personal housing loans has squeezed bank spreads, and many banks with higher capital costs are mulling adjustments to preferential interest rate policies for individual housing loans. At the start of the year, the growth of the volume of credit is now in the offing, and regulators have had to use "window guidance" to prompt banks to tighten lending and prevent credit risks. According to sources, the regulator asked to arrange for new loans in accordance with the "Quarterly three-month-without-four" credit rhythm, that is, the single quarter can not exceed the annual new target of 30%, the single month is not more than 40% of the quarter.