Nearly 90% bankers say housing-related credit worries

88% of Chinese bankers worry that tighter credit policies will put pressure on the capital chain in the real estate sector, leading to a major risk to the real-property industry, with 71% of the banker thinking that there may be a rise in non-performing loans in the future "Caixin Net" (reporter Austria Pama Fog) A new survey shows that 88% Bankers worry that tighter credit policies will put pressure on the capital chain in the real estate sector, making it a major risk for the real estate industry.　　Meanwhile, 71% of bankers think there may be a rise in non-performing loans in the future.　　October 14, the Chinese Banking Association and PwC jointly issued the "China Banker Survey Report 2010" (hereinafter referred to as the "Report"), published the survey data. With the introduction of a series of policies to regulate the real estate market, the potential fluctuations in the real estate market have become the focus of attention.　　Real estate related business in China's banking assets accounted for more and more. The report found that 75% of bankers agreed that "the real estate market trend is facing strong uncertainty" to "feel the pressure in business."　　88% of bankers believe that the real estate risk in 2010 is mainly due to the tightening of credit policy to the real estate industry's capital chain pressure, once the real estate development loan risk chain break, the upper end of the land reserve loans, the next deferred housing mortgage loans will have an impact. Some bankers surveyed say that the concentration of non-performing loans will rise over the next three or five years, according to the report. 71% of bankers think there may be a rise in non-performing loans in the future. But that is unlikely to happen in the next three years.　　Bankers generally believe that non-performing loan rates will remain at a lower level overall over the next three years.　　Industry insiders say there is a risk that banks will pay for the government.　　Referring to the local financing platform, 47% of the bankers believe that the local financing platform loan risk is large, mainly because of its long term investment projects, large scale, the income is difficult to achieve commercial sustainability.　　Banking strengthened risk management supervision has become a consensus, in view of the current risk management system and system deficiencies, 45% of bankers believe that the current implementation of the new Basel Capital accord the most important task is to improve the level of risk quantification.　　Talking about the business model, bankers said that the development model of the bank from the original expansion of the scale of development to the emphasis on financial costs, pricing capacity and capital savings in the intensive growth, change in the past blindly "large" focus, business scope and business space will be gradually adjusted. The report also talks about rural financial services and the internationalization of banking. More than two-thirds of bankers believe that the Chinese banking industry must seize the current favorable opportunity to "go out". The region around Asia is the preferred target area for China's banking internationalization.