Joint-stock Bank

On the afternoon of January 20, a number of sources said in Wednesday that China's Citic Bank and Everbright Bank had been lending too much in January, or had been asked to increase the reserve requirement rate by 0.5%, while at least one of the four big state-owned banks was raised.　　One source from a joint-stock bank said the central bank introduced punitive measures because of the excessive lending of commercial banks in the last half of January and the fact that they would not be subject to a full month loan or more than 2 trillion trillion yuan.　He added that at least one of ICBC and Bank of China was also required to increase the reserve ratio by 0.5%. ...

Guoju this week, the central bank is about to release March credit data. According to the latest forecasts, March new loans may be slightly lower than February, in 500 billion ~6000 billion.　　　　A continued fall in lending is expected to further reduce austerity expectations.　　March new loans are estimated to be 500 billion to 600 billion yuan in February Commercial Bank new loans for 700.1 billion yuan, compared with January 1.39 trillion yuan cut by half. "Due to the quarter-season limit is still more stringent, March loans should be reduced, possibly in 600 billion yuan."　　"A joint-stock Bank funds department people said. ...

Chen Chunlin in Beijing yesterday, the media came to the news that several banks in the city have blocked through the "fake divorce" to circumvent the two suite policy loopholes, after the divorce loans to buy a house customers still according to two suites to calculate, but the reporter yesterday to investigate a number of Nanjing Bank found that for the divorce after the client loans to buy a house, the bank is still the first set of calculations. What do you mean, fake divorce? How does a bank know that a client is a fake divorce rather than a real divorce? In an interview with reporters, Nanjing, a joint-stock Bank mortgage department in charge of such a rhetorical question, he said, if the client divorced after the house, the loan to buy a house is rigid demand, silver ...

After the big bank equity financing, enters 2011, the financing baton passes to the joint-stock bank.　　At Citic Bank's 2010 results briefing, CITIC Bank board secretary Rough revealed that Citic Bank has entered the 26 billion-yuan a+h allotment of the implementation period, the allotment plan is expected to be completed by the end of June this year.　　For the brewing, Citic Bank said that if the bank was selected as systemically important banks, the ratio of loans to meet the target, the annual increase of 4 billion yuan, but compared with the size of Citic Bank's profits can be sustained. A+h rights issue is expected to be completed in June according to CITIC Bank's previous announcement ...

According to the "Shanghai Securities Daily" February 10 reported that the current partial commercial bank loans preferential rate application is more difficult, depending on the specific approval situation.　　The report also cited a large foreign bank related people pointed out that combined with the current macro-policy environment, the future mortgage rates may be further upward, such as the banks may be based on market, customer qualifications and other specific circumstances to formulate the first set, two sets of mortgage interest rate floating ratio, the implementation of differential, market-oriented housing policy. The report quoted a joint-stock Bank of Shanghai Oriental Road Branch staff said that at present the branch has only a few quality customers can get the first suite ...

Commercial banks, depending on the specific approval situation, the interest rate may be further floating "Caixin network" (Comprehensive media coverage) at present, some commercial bank loans preferential rate application difficult to increase, depending on the specific approval situation. According to the Shanghai Securities Daily reported February 10, a large foreign investment bank related people pointed out that, combined with the current macro-policy environment, the future mortgage rates may be further upward, such as the banks may be based on market, customer qualifications and other specific circumstances to formulate the first set, two sets of mortgage interest rate floating ratio, the implementation of differential,　　Market-oriented housing policy. The report also cites a share ...

On the day of the commencement of the contract, the borrower who is in the process of doing so is in the field. Following the Friday ICBC announced the implementation of differentiated housing credit policy, Bank of China Beijing Branch, ABC Beijing Branch also announced from now on the implementation of the new mortgage policy, that is, loans to buy a second housing households, the proportion of loans to the first payment should not be less than 50%,　　The lending rate must not be less than 1.1 times times the benchmark rate.　　While most banks still deal with two of mortgages in the same way, some banks have told reporters that loans in the approval process may be implemented in accordance with the new policy, with lenders being asked to raise their down payment. The new rule is "the effective date of the contract".

Liu Zhanhu Han Tingting in the context of rising housing prices, the total amount of domestic loan business 20%, has always been considered a bank of good assets of real estate loans, will be increasingly strict supervision.　　The CBRC's top brass said at a news conference yesterday that it attaches great importance to the risk of real estate development and personal mortgage loans, and will take multiple measures to prevent it. Credit easing was seen as the main driver of the 2009 domestic housing boom. The National Bureau of Statistics shows that as of last November, the real estate industry to obtain the sum of development loans and personal mortgages has reached 1.6 trillion yuan. ...

Real estate New Deal if the price falls, Bank mortgage asset quality will be affected?　　The latest round of commercial bank stress tests results give the answer-even if house prices fall by 30%, the non-performing rate of mortgages will not rise significantly. The bank said, "Hold on" in Thursday, Qian, Vice president of Bank of Communications, said in a performance briefing that the bank had conducted a stress test under the CBRC's requirements. The results showed that the real estate price fell 30%, the non-performing rate of development loans increased by 1.2%, and the personal mortgage non-performing rate increased by 0.9%. Qian said, because the bank of real estate loans accounted for relatively low, ...