The credit of Shandong City firm has negative growth for two consecutive months

Wu Yushan "October and November, Shandong province, the overall credit increment of the city firm is negative, the November negative growth of 2.84 billion yuan." December 9, people familiar with the matter told reporters.　　This is diametrically opposed to previous regulators ' concerns. In September this year, the city firm "accidentally" played the role of credit expansion, the big bank and joint-stock monthly credit increase accounted for less than 25%.　　Regulators are concerned that the city may become a "relay" for lending to large and medium-sized banks. In this respect, the CBRC has carried out risk hints. In the October 27 meeting of the National City Commercial Bank, the chairman of the Banking Regulatory Commission reminded 144 City firm chairman, first of all, to formulate a good development strategy, "do not blindly pursue the scale, speed and ranking, but to take the characteristics, refinement of the development path, the pursuit of stable capital and asset returns."　　"In the following October, the city firm gradually returned to supporting role in the credit delivery, the month's big bank and the shareholding system in the credit increment accounted for up to 73.6%." The city of Shandong province after the 1-September moderate growth, the October since the loans have been continuously negative trend.　　December 9, the head of Shandong Provincial Banking Supervision Bureau pointed out that this is mainly because the city firm voluntarily compressed the bill caused.　　Active compression bill in September this year, Shandong province in the inner city (excluding Qingdao) loans increased by 1.3 billion yuan, compared to the beginning of the year to increase 30.3 billion yuan, the growth is faster, but in October fell 920 million yuan, November continued to decline 2.84 billion yuan. "In the overall management guiding ideology, Shandong jurisdiction of the inner-city firm more stable, unlike some provinces and cities, such as urban firms, (loans) on the relatively fast." said the person in charge.　　The general manager of the capital Operation Department of a city firm told reporters that the bank's negative growth was mainly due to the decrease in bills discounting, but he did not disclose the specific amount. This year, the country's banking industry has more credit, one is the government financing platform loans, the second is personal housing loans, and the third is the bill financing. But the director said that most of Shandong's City firms have been unable to intervene in local financing platform loans, "at most a fraction" of personal housing loans, many City firms have just been involved, growth is limited; for the bill financing, the regulatory authorities have repeatedly prompted the risk of the banks to carefully carry out the bill business, Bill financing only slightly increases in individual months. "The three bucks didn't come up, and the loan wouldn't grow at a high rate. "In the same industry to increase the delivery, we did not invest more, has been stable."　　December 8, Weihai Commercial Bank chairman Li Lu Wei told the newspaper reporter.　　At the end of September this year, the loan balance of Weihai Commercial Bank was 18.684 billion yuan, which was 25% higher than that of last year, while in the background of higher loan ratio, the bank's loan-to-deposit ratio fell from 72% at the end of September to 62% in the last quarter.　　Back-Office savings in Shandong, the regulatory authorities are also exploring solutions to the city's competitive disadvantage. November 21, Shandong Banking Regulatory Bureau director Zhou Zhongming in "21st Century Asian financialAlthough small banks have great potential for development, but there are some competitive disadvantages such as high cost, shortage of talents, lack of products and so on, it is a serious problem how to improve the operation efficiency and solve the disadvantage of competition under the condition of maintaining the independent legal person of small Bank and the location of Community Bank.　　Through the study of the German Savings Bank Alliance, Zhou Zhongming that small banks can maintain their independence, under the premise of the appropriate combination to reduce costs, improve efficiency, such as IT systems, new product development, personnel training, such as the back-side of the alliance. August 2008, Shandong Province City Commercial Bank Cooperation Alliance Co., Ltd. was established, this is the first domestic banking services specifically to provide non-bank financial institutions, from Shandong Province, all 14 city commercial banks Common average contribution (10 million yuan per home), mainly engaged in bank IT system development and data operation and maintenance,　　Provide banking operations services, financial product development, banking information consulting business.　　November 15 this year, the Shandong City firm Cooperation Alliance integrated Business system in the QI Shang Bank switch line operation, the system in the promotion of customer management, flexible customization products, multidimensional pricing model, real-time accounting and liquidation, all-round risk control will greatly expand the business capacity of the city firm. This quickly attracted the joining of provincial banks.　　November 26, Changan Bank on the computer integrated business system issues and Shandong City, the Alliance signed a cooperative intention. "For Changan, it will save a lot of investment because it needs to invest tens of millions of of dollars in its own development." For the City Business Alliance, is to further expand coverage, improve efficiency, the more customers, the lower the unit cost. said the person in charge.