Joint-stock banks recognize small business loans as opportunities

At the beginning of the year, the CBRC began to investigate the risk weights of small and medium-sized enterprises loans under 5 million yuan, "Caixin network" (reporter Feng Zhe) Small business loan potential is huge, has become the October 21 joint-stock Bank Qingdao meeting consensus. "The new standard of international capital regulation will increase the relative profitability of small business loans. Shan, the bank's international banking analyst, said that the weighted risk-earning rate of small business credit could gradually reach the level of housing loans. At present the small enterprise loan risk weight and the big enterprise all is 100%, but the housing loan only 50%.　　If the risk weight of small business credit is adjusted, the weighted risk rate of small business credit will increase.　　According to Caixin reporter understand, the CBRC has started to reduce the lower 5 million yuan under the risk of SME loans to investigate the weight. From the industrial structure of the GDP of the developed countries, the proportion of the manufacturing industry is not more than 30%, the tertiary industry accounted for about 70%, while China's second industries accounted for nearly 50%, the tertiary sector accounted for only slightly more than 40%, and the tertiary sector had a larger space for improvement.　　From the third industry accounted for a higher proportion of Beijing, the number of SMEs engaged in the tertiary sector accounted for more than 80% of the total amount of SMEs. "In contrast, small and medium-sized banks have a greater advantage in SME services and have greater potential to raise risk pricing capabilities," he said. Shan said the business model was more resilient than big banks and small banks because of the scale advantage of midsize banks, higher risk pricing capabilities and flexibility.　　The transformation of customer structure and the attention to risk pricing will accelerate the process of differentiation of small and medium-sized banks. For example, Minsheng Bank governor Hongzia said that the current total number of customers 90,000 households, the new increase this year 60,000 households,　　Small business owners 77,000 households, 32,000 households, individual customers operating assets from the beginning of the 8.2 billion yuan to 21.8 billion yuan, derived deposits of 49.6 billion yuan, the average loan interest rate on the basis of the base rate of 23% floating.　　According to the CBRC's statistical caliber, the total amount of loans under 5 million yuan, the total assets under 10 million yuan, the annual sales of less than 30 million yuan enterprises are small enterprises. Hongzia suggested that banks of different sizes should further refine the credit scale of small enterprises. State-owned banks and national joint-stock banks can define small business loans within 5 million yuan, local city commercial banks can be set within 3 million yuan, rural credit cooperatives and other financial institutions can locate within 1 million yuan loan scale. He stressed that for small business loans, the regulatory authorities should appropriately increase the proportion of non-performing loans tolerance, the implementation of differentiation mechanism.