CBRC Vice Chairman Wang Zhaoxing
recent interview, "Financial
Times" interview, stressed that the CBRC will continue this year as the
focus of the credit risk supervision, and strengthen supervision and
regular spbeijing apartmentsecial
inspection. And the existence of idle speculation, property hoarding,
drive up prices and other illegal acts of real estate development
enterprises shall not extend new development loans, also prohibits its
financing through trust scheme.
Because controls more stringent bank loans, the Trust was in a apartment beijingperiod of time tapartment for rent in beijingo
be the best way to get real estate funds. However, the existence of
irregularities in the future developers will be very difficult to obtain
funds through trust.
risk when it comes to real estate loans, said Wang Zhaoxing,
still upward pressure on real estate credit risk, potential risks can
not be ignored. On the one hand, the risk of real estate performance in
the high real estate corporate debt in recent years, large-scale real
estate development enterprises nationwide average gearing ratio of
around 75%, as of March 22 announced the listing of 70% of the annual
increase in the gearing ratio another On the one hand, the real estate
enterprise funds tense situation has not been fundamentally alleviated.
In addition, attention is needed, the risk of exposure was
considered high-quality bank loans personal housing mortgage loans are
also increasing. It is understood that since the third quarter of last
year, some areas of the phenomenon of individual housing loan defaults
increased, outstanding performance in Gaodang Fang, a large multi-family
loan defaults. Prices during the peak period, especially in 2009,
non-performing loans issued in 2010 to form more. In addition, in some
areas the rise of false mortgage phenomenon. At the end of 2012, the
balance of non-performing personal housing mortgage loans of 211 billion
yuan, an increase of 14 billion yuan over the beginning of the NPL
ratio of 0.28%, down 0.02 percentage points from the beginning.
Wang Zhaoxing also talked about the increase in bank deposits
"red point" on the situation. All along, the impulse bank deposits on
the red end of the quarter is very strong, especially the outstanding
performance since 2011, the first quarter of this year, more RMB
deposits reached 6.11 trillion yuan, only in March increased by 4.22
trillion yuan.
In this regard, Wang Zhaoxing said the bank will optimize
incentives to guide the assessment system based on the average daily
index of truly implement a gradual increase of the average daily
disclosure of information, guidance and investors are concerned about
the timing of the data desalination weakening deposit "red point"
external pressure.
When it comes to improving the banking sector's liquidity risk management issues, Wang Zhaoxing said that due to bank funds
Editor: Blue and
