Today's viewpoint: fine management loan flow to the bad loans "throat"

Meticulous management of loans to the bad loans to the "throat"-Kang announced the "Fixed Assets loan management interim measures" and to the community for public comment, this is seen as "fine" management of the loan flow to take the first step. According to people familiar with the matter, the central bank and the Banking Regulatory Commission held a joint forum on money and credit in Beijing to promote the introduction of this approach has a direct role.　　At the meeting, the request "to the Fixed Assets Investment project loan, must strictly carry out the minimum project Capital Requirement stipulated by the State, insists the independent examination loan".　　The latest data show that 1-April RMB loans increased by 5.17 trillion yuan, the year-on-year increase of 3.37 trillion yuan.　　The rapid expansion of the new credit funds to the economy injected vitality, but also caused concern: how many loans into the real economy, how many loans are diverted, to be taken?　　Only by mastering these data can we take the "throat" of non-performing loans.　　The scientific way to get these data is to "fine-tune" the flow of loans. Fine management is a management concept and management technology, through the systematization and refinement of rules, the use of procedures, standardization and data means, so that the organization to manage the units accurate, efficient, coordinated and continuous operation.　　Meticulous management requires more "mathematics" in enterprise management, focusing on details, data and tools.　　The original intention of this interim method is to standardize the operation of fixed assets loan business of banking institutions, to strengthen prudent management of fixed assets loans and to support good and rapid economic development.　　However, the "fine" management of loan flows is a systematic project, and the management of fixed assets loan is far from enough.　　The author from the supervisory level to understand, and "fixed assets loan management interim measures" also drafted the "Liquidity loan management measures", "personal loan management measures" and "banking financial Institutions project financing business guidelines."　　These four regulations, together with the "management of mergers and acquisitions loans" and "management guidelines on Mergers and acquisitions" issued last December, constitute the overall framework for "fine" management of loan flows and the core of shaping a new loan management model.　　After the formation of the loan management model, the "beneficiary payment principle" will be implemented, the bank will directly draw the loan funds into the final payee account, the credit flow is strictly controlled, and the illegal misappropriation of credit funds will be effectively curbed.　　To put it simply, the model requires borrowers to use loans in accordance with the contract for the purpose of loan, not for the purposes not agreed in the contract, especially the credit is not allowed to enter the stock market (in fact, the current loan system is so required).　　As we all know, the liquidity loan is more easy to be misappropriated by the enterprise, but in the forthcoming "Liquidity loan management measures" does not have to the liquidity loan management to take "one-cut" approach. People involved in the legislation explain that the use of mobile loan funds, including the lender directly to the third party to pay the loan, and the lender to the borrower to lend, the borrowerExternal payment should be in accordance with the "beneficiary principle".　　Specifically, it is the borrower who pays the third party the customers who are mainly applicable to the new credit relationship, the customers who have a sharp business expansion or the main business, the customers with a general or deteriorating credit condition, and the payment of all kinds of large transactions.　　"Fixed Assets loan management method" is clear, the lender should confirm the borrower to satisfy the contract of withdrawal condition before issuing the loan, and carry on the management and control to the loan fund payment according to the contract, and supervise the loan funds to use according to the agreed use.　　And the "Banking Financial Institutions project financing Business Guidelines" stipulates that "banking institutions should be paid to the beneficiary, the ex-post supervision of the way to understand the whereabouts of the loan funds."　　"Personal loan management measures" stressed the contract, payment, loan after three aspects of the operation of the standard, the borrower should be the contract agreed to the contents of loans and loan management basis. Management Master Drucker said: "The management of the enterprise, is always tasteless, there is no exciting event." That is because every possible crisis has long been foreseen and has been translated into routine operations. "Credit flow management can be used for reference."