Vice President of Construction Bank to respond to tighten fast payment: electric business to do banks see the risk

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CCB Vice President Yang Wenxhen response to tighten fast payment: electric business to do the bank to see the risk

Why must adjust the quick payment, because the third party pays the specific risk situation, the bank end cannot see through, did not give the data to us. "Yesterday, the construction Bank in Hong Kong, the performance of the Conference, CCB Vice President Yang Wenxhen response to tighten fast payment."

Yang Wenxhen said that the CCB is the largest balance treasure cooperation, the largest transaction of the bank, but "electric dealers to the electricity, finance to finance." Fast payment is no longer simply a tool for the service of the electrical business, for the future will be further adjusted fast payment, he said that depending on the circumstances.

In yesterday's press conference, CCB chairman Wang Hongzhang also first responded to the Hing run home ownership problem, said Xing Run property bank involved in funds 1.1 billion yuan, but belong to the case, after treatment is expected to lose actual very little.

The data is in the hands of Alipay.

As Alipay fast payment business, the largest cooperative bank, in yesterday's performance statement meeting, the Construction bank to reduce the fast payment problem become a focus.

In response, CCB Vice President Yang Wenxhen responded that this is more and more related to the scale of the balance treasure. He pointed out that the construction Bank and third-party payment of rapid payment is mainly positioning fast payment, the past average of 300 yuan per transaction, but now far more than so, and with the growth of the balance treasure, fast payment is no longer just the way to pay, become a financial instrument. He pointed out that the bank could not see the data as a result of the swift payment of a third party payment by the enterprise, the specific wind control situation and how third party payments were controlled by third party payments. He stressed that the net bank line has not fallen, customer convenience is affected, is currently considering with third-party payment, so that customers can more easily find the net Silver payment port.

In response to the issue of fast payment, Yang Wenxhen stressed that the electricity business in accordance with the electricity business, and do finance should be financial rules, the real payment, each pen is less than 300 yuan, the current daily limit of 5000 yuan is far greater than the average payment. In the case of finance, we can work well with the third party to separate the two things, and the current and third party payments are looking for a mutually acceptable form of cooperation.

Xing run real estate bad actual loss is very little

The economic downturn has tested the quality of commercial banks ' assets. In addition to the decline in non-performing loan rates for agricultural banks, most banks have seen a "two-liter" trend in non-performing loans, while CCB, which posted its results yesterday, was the only bank to have a non-performing loan ratio last year.

However, in some of the violations have been exposed, the construction bank has been recruited. Recently in the media reports, the first housing enterprise default case Hing run home, CCB was the largest amount of the explosion involved. In yesterday's Hong Kong Performance conference site, CCB Chairman Wang Hongzhang for the first time responded to the Hing run home ownership problem. He said that Xing run real estate construction bank involves 1.1 billion yuan, but belongs to the case, after processing is expected to lose actual very little.

Wang Hongzhang said, Xing run home in Ningbo for the third-tier city, in the real estate bubble, the price is too high in the process of land sales, now land prices have fallen by nearly 50%, which raises the risk, he said, has formed a risk management team to Fenghua, active and local government research disposal measures, now look at the risk controllable, 1.1 billion loss will be very low.

South all reporters noted that, from the statement, the CCB Real estate loan non-performing rate at the end of last year from 1% to 0.8%. Personal housing loan balance reached 1 88 trillion, to maintain the same industry first. Wang Hongzhang said that the construction bank's control of real estate credit has been under the national requirements, each year in a substantial decline, real estate loans than total loans accounted for less, real estate is far below the average rate of non-performing loans.

It is reported that from the bad write-off look, last year, the construction bank significantly accelerated. And for this year's bad write-off, Wang Hongzhang said, it will not be as fast as last year and the two years ago, but the absolute amount is bigger than last year.

Reporters in South Ying Hong Kong report