Rearrangement of the first quarter of bank loans seating strokes Shenzhen Development Bank incremental dropped significantly

Pacesetter, "Fall" the first quarter of seating rearrangement mortgage bank credit tightening policy, commercial banks mortgage market share in the first quarter of rearrangement seating.
Reporters from several commercial banks access to the data, nine joint-stock banks in accordance with the first quarter increase in loans for personal consumption indicators, in the past "modest" China Everbright Bank, Shanghai Pudong Development were ranked first, second, followed by Societe Generale Bank, CITIC, a wide and deep last year, more incremental development, China Merchants Bank, Minsheng Bank, fell after several.
"A loan-to-the pacesetter increased rapidly in recent years relied mainly on mortgage support, as long as the tight macro-control capacity will quickly add value, coupled with the size of mortgages is the face of massive repayment, which will lead to deficit superimposed . "A joint-stock banks were responsible for the case of mortgage.
Under heavy pressure, many commercial banks trying to break through product innovation to the credit crunch of the Iron Curtain.
Pacesetter in the first quarter of the accident out of date decline in loans for personal consumption expected. Reporters from several commercial banks access to the data show that the first quarter of financial institutions for personal consumption loans 3.4015 trillion yuan over the beginning of the new volume (the increment) 123.1 billion yuan. Most of them were the personal mortgage balance 2801700000000, incremental to 995 billion, representing a quarter of last year, 126.5 billion yuan increment substantially diminished.
In such a market environment, all commercial banks in the situation of earth-shaking changes. In accordance with the first quarter of last year's nine commercial banks increase loans for personal consumption ranking, respectively, to move, Societe Generale, deep development, people's livelihood, CITIC, Pudong, China Everbright, the Guangdong Development, China. At that time, strokes and Industrial Bank have increased by more than 100 million. And to the end of 2007, Societe Generale Bank and strokes in both personal growth and balance of consumer loans are on the lead pacesetter.
By the first quarter of 2008, personal consumption loans in accordance with the incremental ranking, respectively, for 7.4 billion Everbright Bank, Shanghai Pudong Development 3900000000, 3400000000 Industrial Bank, CITIC 2.8 billion, a 2.8 billion-Canton, Shenzhen Development 1.4 billion, China Merchants Bank 800 million , 700 million Minsheng Bank, Huaxia Bank 500 million. Everbright Bank to become the new爆出a dark horse, and the original bills Pai Tau model line, Societe Generale, the people's livelihood while weak growth, dropped out of the lead as well.
However, the first quarter of the adjustment has no impact on the banks of the balance of loans for personal consumption ranking, its ranking is still to move, Societe Generale, people's livelihood, Shanghai Pudong Development, CITIC, Everbright, Shenzhen, Guangdong Development, China. Zhao Bank, Societe Generale, the people's livelihood is still joint-stock banks in a loan-to-bulk, the larger the order has not changed.
At the same time, five major state-owned banks are also changes in personal consumption loans incremental position, the bank ranked first, followed by the Bank of China, Construction Bank and Agricultural Bank, Bank. Not all of the bank's growth was below the same period last year, part of last year, slower growth in the bank jumped on it this year.
Which ICBC, Bank, Agricultural Bank of the first quarter of the increment over the same period last year their incremental. The Bank of China and Construction Bank, the incremental decrease compared with the same period last year, particularly the bank, the bank added the first quarter of last year is only about the additional about 50%.
Fubeishoudi incremental pacesetter in the development of the fall has exposed the dilemma.
A number of commercial banks to a loan-to-person Department of the crisis is over pacesetter explained that the most important of these loans.
Mortgages decline is the common problems facing banks, but the difference is that some banks occupy these mortgage loans for personal consumption ratio is very high, as long as the decline in mortgage loans for personal consumption will lead to volatility, "a lot of turnover in the previous year Shrink by nearly half over the same period, the slow growth of personal loans is obvious. "Headquarters of a state-owned banks loan-to-manager said, adding this line of credit control, individual banks if the loans do a few big business, Then left to the private space is very small.
On the other hand, these banks is the huge balance of mortgage repayment pressure than other base of small to large banks, which also began in the first quarter of exposure.
Shanghai experienced an intermediary mortgage experts said that the loans after the Spring Festival, the implementation of the new interest, many times after interest rate hike has been higher and the capital market pullback, shrinking financial products, investment will decline in the people, more willing to funds used to Loan. He disclosed that the majority of banks in Shanghai in March to more than the repayment of loans volume, mortgage growth is negative.
"Our customers scale than last year, an increase of double the normal repayment and early repayments have almost doubled, if not more than the new mortgage, can not fill this hole." Shanghai is not a headquarters of the joint-stock banks Retail credit for that.
Just as water injection and water pond at the same time, when less water, water increases, it will lead to a new flow reduction.
Information, the above-mentioned joint-stock banks, the move to the first quarter of personal loans do not increase more than 700 million yuan, much lower than the same period last year more than 90 billion yuan. Incremental development of deep personal loans also rose sharply lower than the same period last year, the Minsheng Bank and even increase for the first quarter of negative growth, and incremental over the same period last year, nearly 3 billion yuan.
Industrial Bank is the only exception, the first quarter of incremental personal loans over 50 billion, although lower than the same period last year more than 90 billion yuan, but it remains a small number of larger amounts to maintain growth in the bank. "They are in addition to mortgages, consumer loans in the other major contraction." Informed sources.
They lost their positions at the same time, a smaller mortgage balance of the China Everbright Bank by leaps and bounds, the first quarter of incremental more than 40 billion yuan, far exceeding last year's 1.5 billion. Kwong, a quarter of incremental nearly 15 billion yuan, more than 500 million yuan a year earlier. Shanghai Pudong Development Bank the first quarter of incremental 2 billion yuan, much higher than the same period last year 1.2 billion yuan. This makes their position before a leapt.
Some people also believe that real estate turnover of Shenzhen in Guangzhou the first quarter of a substantial decline, in the local market share growth performance of the larger banks particularly affected, for example, strokes and Shenzhen Development Bank headquarters are in Shenzhen. Shenzhen City's Directorate announced the first quarter of commercial housing transaction data show that first-hand residential turnover of only 519,400 square meters, down 70%; secondary residential area of transactions also dropped 68.73 percent year on year.
Some banks also have to explain their judgement on the risks of real estate and other firms not the same, which allows them in the implementation of regulatory policy at the more stringent standards, resulting in smaller increments.
Xiaoyang Chun false impression "that the original will appear Xiaoyang Chun, in March after the mortgage will be increased substantially, but in April the situation is the negative growth appears to be a false impression." Joint-stock banks of the loan-to-head said.
These joint-stock banks mortgage official said that if January is the continuation of the business last year, February is a special holiday, to reflect the actual operational crisis, then in March on the most illustrative. Statistics show that in January financial institutions of the new mortgage amount to more than 680 billion yuan, the rapid decline in February to more than 70 billion yuan, in March to more than 240 billion yuan increment, despite a slight increase, but higher than the same period last year by Volume of 40.7 billion yuan significantly smaller, shows that the intensity of reaction is very weak.
Data show that similar bills Bank and Societe Generale Bank, and other personal loans in March instead of the ring is negative growth.
Jian Guanceng demand coupled with strict enforcement of the policy suite, according to Canadian and other means to snatch customers were Jian Guanceng restrictions, dark-bank policy signs were extinguished. "Restricted to the mortgage is actually limiting the customers choose the right banking services." Banks are very complained.
Voted in the 2008 second quarter securities of real estate investment strategy report that the March rebound in trading volume in major cities, but in April opened a decline turnover also fell, from May to June is expected to turnover warmer faster.
In any case, the banks who have agreed that the mortgage market this year is no longer good. And when at this time, the bank's product innovation on the tempted.
April 28 strokes Bank of Shanghai announced a new product "easy loan-to-consumer", the product will encourage customers to limit their mortgage in full with no extra lines into consumer interest-free overdraft limit for the Card刷卡consumption or online payment. And after an interest-free period, customers continue to use, then it becomes a personal consumption loans.
A joint-stock banks said that despite the interest-free period that is the longest 50 days, but in fact the real interest-free period for conditional, often less than 50 days, interest-free only bright spot is to attract customers. Weak growth in the mortgage when the motive is to move the existing mortgage Panhuo resources, increase the personal consumption loans, an increase of intermediate business income.
"Want to buy a BMW can now submit their applications to us." Newman, chairman of the development in the first quarter before the report was laughed Tyamzashe.
Newman context of this sentence, the Shenzhen Development is developing Auto Financing business. According to media reports, despite the Auto Financing higher risk, but Shenzhen Development said this year will be 35 cities in the country, with BMW, GM dealers, and other brand launched depth cooperation, personal loans and auto companies with financial supply chain operations.
"A lot of bank loans accounted for 80 percent of consumer loans 90 percent, this will be more volatile, and if appropriate share of lower mortgage and other consumer loans such as pulling Auto Financing, a quarter may not be so gloomy." These joint-stock banks said. (Wang Fang-yan)

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