Some banks start shrinking credit scale

Signs of credit contraction early in July or trough the industry is expected to in the second half of the credit structure of real estate loans will be the big head in June the credit frenzy raised doubts about whether loans in the second half of the year could keep growing fast, with the market particularly concerned that commercial bank credit was in the aftermath of the two quarter, and that the size of credit in July could be low.　　At the same time, commercial banks are beginning to show signs of shrinking credit. Some banks began to shrink credit yesterday, a news source told the Securities Times reporter that a major bank recently held a video conference on lending plans for the second half of the year, the bank said in the meeting that the second half of the total loans will be issued in the first half of the One-fourth.　　In accordance with the Bank's lending practices in previous years, the first half and the second half of the loan ratio is generally 7:3. Guo Shin Securities researcher Lin Songli that　　After the peak of 1.53 trillion trillion yuan in June, commercial banks have not been strong in lending, and regulators are strengthening the risk of commercial banks warning or window guidance, so the July credit scale will inevitably enter a trough, the total July is expected to reduce lending to 300 billion-400 billion yuan. Merrill Lynch, a foreign investment bank, predicts that total credit in July could fall sharply to around 400 billion trillion yuan.　　Lu Commissar, chief economist of Xingye Securities, said that from previous years, the total amount of loans of 300 billion yuan per month is also a considerable amount.　　Li Dahuan, director of the British Securities Institute, said that in the current real estate market, luxury market consumption has started, combined with a reduction in capital ratios, investment demand has also begun to warm up, so the total amount of loans in July is not expected to plummet. For the loan situation after June, CICC's chief economist, Ha's forecasts, will be hard to compress in the short term because the recent loan structure has been largely skewed towards government projects, and many of the longer term infrastructure projects have just begun, so the future of loans is more inertia.　　Ha is expecting more than $10 trillion trillion in domestic new loans this year.　　The second half of the real estate loan will become the main force in many industry forecasts, the second half of the new loan structure will be a big adjustment, Bill business accounted for the proportion will be greatly reduced, real estate development loans and personal housing will become the main force. The bank's loan for real estate development has accelerated, according to reporters at a big line of Yangzhou branch.　　It is reported that the first half of the bank's new real estate development loans accounted for about 16% of the total loans, the second half of the bank has more than 10 real estate reserve projects, the second half of the bank's real estate development loan will be more than 1 billion yuan, and in the first half of this year, the bank's total loans Li Dahuan that as the economy picks up, the mortgage increase will be the main driver of credit growth in the second half.　　Credit Suisse, for its part, expects a monthly loan increase of 70 billion to 100 billion yuan from personal mortgages in the second half of the year. According to the central bank's Shanghai headquarters recently released data, the current Shanghai's personal housing loan growth is fast, June Shanghai, the Chinese bank new personal housingLoan 12.71 billion yuan, create a single month incremental record, more than 10 billion yuan.