Wuhan Chengdu, Guangzhou and other banks to suspend loans

Wuhan, Chengdu, a number of banks said the suspension of loans in Guangzhou, the bank has actually stopped lending yesterday, there are news that Chengdu, Wuhan and other banks have suspended the mortgage business. The news pointed out that at present in Chengdu, Societe Generale and Minsheng Bank has made it clear that the personal mortgage business.　　And in Wuhan City, Bank of China, Minsheng Bank, Everbright Bank has made clear that the personal mortgage mortgage business, some other still have to deal with the bank is only to support the application of cooperative property.　　Reporters yesterday to the Guangzhou bank to understand the situation, the Guangzhou banks did not formally say "suspend loans", but the actual situation of the reporter interviewed is that it is really difficult to buy a loan now, and there have been some bank branches due to the amount of tension has actually suspended the issuance of loans. Guangzhou has a bank network has suspended the issuance of home loans yesterday, the reporter also received a Mr. Zeng's newspaper in Guangzhou. Mr. Zeng has handled the first housing loan in a state-owned bank this year, because it is second-hand house, the loan demand is more urgent. March 17, Mr. Zeng received a loan from the bank. But the paragraph has not been put down. Mr. Zeng repeatedly called the bank to consult the situation, the initial reply was that the amount of tension, to wait in line to lend slowly. But when Mr Tsang called the bank again this week, the client manager changed the "caliber", saying that "We have suspended the lending and we don't know when we will." "There is also news that ABC also stopped issuing mortgages." Subsequently, the reporter to the Agricultural Bank of Guangdong Branch Advisory, the relevant people said that AgBank has not stopped lending, loans as usual, but it may be due to the branch network of insufficient or other reasons to line up the loan.　　The reporter then also to Agricultural Bank of other points of advice, such as the Plum Blossom Road Branch, Wuyang New town, such as a number of local sub-branches said the current mortgage can also do, according to the benchmark interest rate, but the speed to look at the queue every month. In addition, the reporter also to the other major banks in Guangzhou to understand the situation, the trend of tension as usual.　　ICBC, CCB, BOC and other major lines can continue to lend, but like Minsheng Bank, Shenzhen Development Bank, such as a number of small lines are basically not put out a loan. However, the reporter also found in the interview process, there are banks in the "Stop lending," a big fuss. Reporters yesterday to a state-owned bank Haizhu District A network of related loan staff to consult, a customer manager clearly told reporters "now one or two of the mortgage has stopped, we only have a house mortgage has a home can bet on loans." But in the next one hours, the reporter tried to ask the details, the person said, "It is inconvenient to say, the above has asked not to mention the" Stop the loan. "There are still banks continue to" the high price of the current tense loan, staff told reporters, "The amount is still the main problem, this year feel more and more nervous, the mortgage is now very difficult to put, some outlets do not lend." "In this context, interest rates continue to rise. "The scale of the loan is still very tight, to continue to line up, if the customer is willing to give more money, such as the acceptance of higher interest rates, or to give some more commitment to the loan, then you can lend faster." Bankare now picking up profitable customers.　　"A state-owned bank in Guangzhou, a branch of the credit business people told reporters. There is a state-owned Bank of the development Branch of the relevant people told reporters, now the price of the mortgage to see how anxious you need funds, "the first set of mortgage benchmark interest rate floating 30% people do."　　He revealed that the current two-quarter quota has just been issued, even some corporate loans are difficult to lend out, not to mention personal mortgage customers, deposit reserve ratio will be adjusted at any time, bank funds more tense than the beginning of the year.　　But previously, the Guangdong Provincial Banking and regulatory bureau had expressly barred banks from lending in the highest bidder's way, and also barred banks from charging additional fees for other loans. Second-quarter deposits fell more tightly in the industry pointed out that the bank suspended loans, the shortage of funds is the main reason. For the reasons for the suspension of the mortgage, the bank said that the main reason is because of the rising reserve requirement ratio, funding shortages.　　"Not do not want to do, but really have no money to do", BOC Wuhan branch of a credit manager said.　　A state-owned bank in Guangzhou sales department related to the reporter disclosed that entering this quarter, deposits fell very strong, a branch of the deposit can be used "billion" to calculate. However, because of the deposit and loan ratio restrictions, the Bank's lending quotas will be further reduced with the decline in deposits and further tightening. And with the central bank raising reserve requirements 9 times in a row since last year, the reserve ratio of large commercial banks has reached an all-time high of 20%. Economists generally predict that the central bank will continue to raise the reserve requirement ratio to cope with the upcoming CPI peak month. "We expect a 100-point increase in reserve requirements and a 25-point rate hike in the coming months," he said.　　"Qu Hongbin, chief economist for Greater China, HSBC, said. Nanfang Daily reporter Huang related reports on local platform loans to implement "list system" new loans only to the solvency of the security room South Daily News (reporter/Huang), there is news that the CBRC has again issued a request to tighten local financing platform loans, and new loans can only be placed in the area of affordable housing construction with solvency ( Public rental, low-rent housing, shanty town renovation.　　This reporter learned that the current document has been issued to the banks, but the document proposed "list system" and other new measures, but did not mention the specific implementation time. According to the April 2 issued to more than 20 pages of "on the real good 2011 Local government financing platform loan risk supervision work Notice", the CBRC requires all banks to the platform loan customers to implement "list system" management, not to list system financing platform to issue loans. In addition, the approval right of the platform loan is unified on the headquarters and the accountability mechanism of credit management is implemented at the headquarters level. In addition, the CBRC documents also mentioned that the stock platform loans continue to be collated. Bashusong (micro-blog column) said "The current situation, county-level local financing platform should be paid attention to, some county-level financing platform project loan is one-year, originally hope to ' borrow new old ' to keep the project, but suddenly this year, the bankStop the loan, which may cause the project's capital chain to suddenly break off. However, some insiders pointed out that the increase in local financing platform loans can be reduced by withholding, and the loan stock how to find an effective way to digest, still need to explore.