How will the banks cope with the new deal?

[Synopsis] According to the Zhejiang Merchant Bank related personage Introduction, the interest rate lower limit preferential scope, currently temporarily buys with the bank to develop the loan cooperation the real estate the quality customer. Xijun, vice president of the School of Finance and Finance of Renmin University of China, told the economic daily that "in the face of the new deal, different types of banks will be different."

How will the banks cope with the new deal? An interview with the Economic daily newspaper found that the bank response was not as uniform as the outside world imagined. Especially, with the active degree of the real estate market in the area of business, there is a more obvious "temperature difference" in the bank's coping.

The relevant departments notice the day, Zhejiang Commercial Bank launched a supporting two sets of housing loans preferential policies. According to the bank's preferential policies, buyers in the purchase of ordinary housing (the total price of 5 million yuan below the apartment), the minimum down payment ratio of 40%, the lower interest rate is 0.7 times times the benchmark rate. According to Zhejiang Merchants Bank related people, interest rate limit concessions, currently temporarily for the purchase and the Bank has developed loan cooperation for the quality of the real estate customers.

However, some experts say some banks may be cautious about strict risk management and improving the quality of credit assets. At the same time, considering that the bank corresponding adjustment plan needs to have a running-in, the elaboration process, some bank supporting plan promulgation time may be after several weeks.

Xijun, vice president of the School of Finance and Finance of Renmin University of China, told the economic daily that "in the face of the new deal, different types of banks will be different." "For example, in places where the need for better sex is more active, banks are more motivated to relax their lending ratios," he said.

Xijun said, overall, the personal mortgage loan asset quality is relatively high, has long been the bank's financial institutions business "contention" focus, "of course, the bank's willingness to lend, its market competitiveness, capital sources, capital costs and the degree of wealth and other factors closely related. If these resources are plentiful, banks will have a lot of enthusiasm to make the mortgage business bigger. (Economic daily reporter Yiu Jin)