"Emerging" field of CCB: 80 billion net bank loan to customers of electric business

"Only the Beijing branch of the construction Bank to provide credit support for rail transit lines are 12." In October 2012, a person from the CCB company told the author that only 2011, the branch of the Beijing Rail Transit Project to provide a total of 16 billion yuan of financial support, ranked first in commercial banks, which, through the transfer of trust benefits of financial products to provide rail transport construction funds 2 billion yuan, Through the issuance of bonds to provide funds of 11 billion yuan, in the form of loans to provide 3 billion yuan.

The move not only solves the customer's immediate urgency, but also makes a great contribution to the capital's urban development. As of the end of 2011, with the Beijing metro line Line 8 two northern section, line Line 9 South section (including the remaining section of Fangshan Line), Line 15 Line of the east section of the 3 subway new line into operation, the Beijing subway operation Line reached 15, the total rail traffic mileage from 336 kilometers to 372 kilometers, the daily average passenger flow through 7 million passengers.

Why the Construction Bank of rail transport and other infrastructure so attached importance, borrowed from the above-mentioned people said, "Infrastructure building is the important pillar industry of the relationship between people's livelihood, but also the traditional advantage of the bank's credit support." Strengthen the traditional advantages, do a good job in infrastructure loans, cost consulting and housing finance is the next five years of planning the meaning of the problem. ”

While consolidating the traditional advantage, CCB will tilt the financial support of the real economy to the "emerging" field, that is, to uphold both traditional and emerging forces to support the real economy.

October 2012, CCB chairman Wang Hongzhang talked about the strategic transformation, said that the transformation of China's economic development mode, requires commercial banks to do a good job of traditional business structure and development model to the new business structure and new development model of strategic adjustment, the focus of financial services to strategic emerging industries, services, Energy-saving and environmental protection industries, consumer finance and rural finance, as well as small business business.

Only in the case of green credit, as at the end of 2011, the balance of energy-saving and emission reduction in related areas amounted to 1.17 trillion yuan, renewable energy and environmental protection loan balance amounted to 219.07 billion yuan, the proportion of credit balance in the whole bank increased year by year.

Capital Works

Boost Credit structure adjustment

"2008 years of the Four Seasons, monetary policy turn, CCB seized the opportunity to focus on a number of high-quality infrastructure projects." In October 2012, the head of a state-run company's business department told the author, CCB in the last round of macroeconomic adjustment, the market is the best sense of smell, "CCB's project to get the earliest, the quality is relatively high." ”

In the second half of 2008, under the impact of the international financial crisis, the domestic "4 trillion" stimulus plan, the new round of infrastructure investment has become the main endogenous force to stimulate China's economic growth. As of last year, the construction bank infrastructure industry sector loans of 1,964,806,000,000 yuan, more than 2010 increase of 194.362 billion yuan, accounting for corporate loans added 41.42%, an increase of 10.98%, mainly supporting the building of the quality of the infrastructure loan project.

Since 2012, the construction bank continued to increase support for infrastructure industry, by the end of June this year, the construction bank's infrastructure industry sector loan balance amounted to 2,043,496,000,000 yuan, accounting for the entire bank of the total customer loans of 43.3%.

The reason why commercial banks value infrastructure loans so much is based on the future of China's urbanization and industrialization, the CCB said, the bank in the allocation of resources, loan prices and other aspects of the tilt.

First, on the scale of credit, priority should be given to guarantee the capital demand of the country's construction projects. In the case of tight credit scale last year, CCB also specially arranges 46 billion yuan special funds to support the railway construction projects. Second, most of the projects under construction to give more favorable loan prices. In the case of credit scale tightening last year, the construction Bank of the project to support the majority of projects in the benchmark, individual downward interest rate concessions.

Of course, the support of national key infrastructure projects does not mean that commercial banks abandon their own operating standards, in the past few years, the government financing platform loans, real estate development loans and excess capacity industry credit risk effective control and clean-up has become a focus of banking supervision and management.

According to the relevant people of CCB, CCB has formulated more than 50 industry and product approval guidelines, more than 30 key industries of customer access to exit the standard, more than 10 overcapacity industry to achieve list system management, issued a number of industries and table outside the credit policy line.

CCB on steel, cement, coal chemical, flat glass, wind power equipment, polysilicon, shipbuilding and other "6+1" overcapacity industry strictly controlled credit total. At the end of June 2012, the credit balance of overcapacity industry decreased by 51.332 billion yuan in the end of 2009, and the credit balance fell in six consecutive quarters.

In the field of local financing platform, as at the end of June 2012, the bank's regulatory platform loan balance of 4,425.9.8 billion, of which the total coverage of cash flow loans accounted for 91.33%.

CCB also strengthened the real estate control policy Research and the first-line city, restricted market monitoring, as at the end of June 2012, the bank strictly implement the real estate development loans and land Reserve Loan list system management, real estate development loan balance 417.766 billion yuan, compared with the end of 2011 to reduce 1.394 billion yuan.

Annual growth of 40%

The retail transformation of small micro-finance

A small enterprise named Sichuan Jia Long Gift Co., Ltd. registered capital of 500,000 yuan, this is engaged in handicrafts import and export business of the typical micro-small foreign trade enterprises, has been seeking loans without the door and do not dare to show more foreign trade electronic orders, in the past two years in the construction Bank, "E-Paul" business support, the enterprise access to the ability to increase Monthly profitability doubled.

"E-Paul-Tong" brand is in recent years, CCB Small Enterprise Finance launched a series of products.

2007, for reference to foreign advanced banking experience, CCB in Jiangsu Pilot "Credit Factory" mode of Small Business Management Center, and in 2008 in the full range of promotion, over the past few years has made a new breakthrough in many areas.

It is reported that after the establishment of "credit factory", small micro-enterprise loan processing time shortened by half, Customer Manager service customer number increased by one times, at present, the construction Bank has established more than 240 "credit factory", basically covering the country's major cities and hundred counties.

By the end of June 2012, the construction Bank of the total number of small micro-enterprise customers accounted for more than 70% of the total number of clients, nearly three-year loan average growth of 40%, the cumulative 160,000 small enterprises to put credit funds 1.7 trillion yuan, in early 2011, the construction Bank in accordance with the overall strategic positioning, combined with "Concept, and clarified that small micro-enterprise business to" retail "and" small "transformation.

In the small micro-enterprise business "retail" the development of ideas, under the guidance of CCB small micro-enterprise business development, rapid expansion of customer numbers for the business of sustainable development lay a good foundation. CCB for small micro-enterprise customer demand "short, frequency, fast" characteristics, developed a batch of use time, amount, repayment way more flexible, convenient products.

Among them, the "growth of the Road" and "fast credit" has become the Construction Bank service small micro-enterprises of the two major products. To "The road of growth" for example, at present, the loan balance of more than 400 billion yuan, the cumulative issue of loans more than 1.2 trillion yuan, service customers about 140,000.

According to the industry, the current construction Bank's "small loans" products, the fastest day can complete the approval and loan work, the process is simple and quick.

In addition, in the service of small and medium-sized enterprises, CCB seized the rapid development of E-commerce in recent years, for E-commerce customers network transactions tailored network Bank "e-loan" series of products, and in the domestic initiative "Network bank credit business model."

According to CCB insiders, the model to break through the traditional business model, including theoretical innovation, product service innovation, scientific and technological innovation, organizational innovation and security mechanism innovation, including five major innovations, for the enterprise to create a new service platform, credit business full flow online operation.

By the end of June 2012, CCB had issued more than 80 billion RMB network bank loans to nearly 15,000 E-commerce customers.

Protection room, three rural and multi-pronged

Exploring Minsheng Finance

"Sheng-Tian-ju" is the urban center in 2011 to start construction of 18 projects, including low-cost housing, housing and 3,200 sets of limit rooms, can represent the Chengdu "Twelve-Five" 380,000 sets of security housing construction of the main model.

The special place of the Chengdu Safeguard Room model is the 5 year 380,000 sets of housing construction plan, whether it is the financial allocation or the bank credit, its source of funds are the local governments themselves, and the construction Bank is the main force of the building of the safeguard house.

To "Sheng-tian-ju" as an example, the total investment 780 million yuan, of which through the Construction Bank financing 400 million, accounted for 51.3%, the remaining 380 million for the project's own funds and a small number of sales to transfer. The project construction period is 25 months, the bank provides the guarantee housing development loan period generally does not exceed 5 years, is the benchmark interest rate.

Construction Bank credit funds for the contribution of the investment of housing more than half, this in another project in Chengdu-"big face Bridge" affordable housing projects are also more typical, the total investment of the project 910 million yuan, the bank to provide financing 500 million, accounted for nearly 55%.

As at the end of June 2012, the construction Bank of the development of affordable housing loans balance 41.769 billion yuan, add 16.039 billion yuan. According to the CCB, such achievements have benefited from the bank's branches to pay close attention to local housing security policies, timely follow-up to local housing projects. In addition, CCB is also actively communicating with various Provident fund centers to assist Local Provident Fund center to screen projects.

Sino-German Housing Savings Bank is the construction bank to support the building of another important platform, the bank was established in February 2004, is the CCB and Germany Schhau Bank joint investment in the formation of the only domestic commercial bank specializing in the business of housing credit. By the end of June 2012, China-Germany bank in Tianjin's affordable housing development loan balance of 2.16 billion yuan, ranked second in all commercial banks.

In addition, in recent years, the construction Bank in the field of agriculture as a priority to support the focus areas, and constantly increase the investment in agricultural loans, from 2007 to 2010 the balance of agricultural loans stable growth, three consecutive years of growth rate of more than 30% As at the end of June this year, the bank's agricultural loan balance exceeded 1.1 trillion yuan.

2008, Xinjiang Branch initiated the "Small Farmers Loan" mode, for Bingtuan farmers have developed for the purchase of agricultural materials, agricultural machinery and other engaged in production and operation of personal loans, loans based on enterprise, farmers mutually guarantee the model of the joint loan, in 2010, the small farmers to credit good pricing concessions, effectively reducing the burden on farmers. "Small farmers loan" has been extended to Heilongjiang, Zhejiang, Qingdao and other 13 provinces and cities, as at the end of 2011 the loan balance amounted to 5.424 billion yuan.