editor: in recent years, although small and micro businesses of rapid development ,but has become a major obstacle to the development of small and medium small enterprises .however ,in the constant introduction of the national preferential policy support ,listed banks to small and medium sized micro enterprises to support strength to be increased further ,according to incomplete statistics ,in 2011 listedbanks to small and micro businesses loans nearly $4 ;since regulators open policy, currently listed banks to issue financial bonds for small scale high amounts to 273000000000 yuan this small and micro businesses ,in order to promote the development of economic transformation and played a very good role of booster .
scale blowout listed banks issued 273000000000microfinancial bond not listed commercial bank to apply for the issuance of 43500000000 yuanfor small financial bonds, according to incomplete statistics ,in 2011, listed banks on small and micro businesses loans nearly 4 trillion,to the small and medium-sized small enterprises support strength to be increased further .
not only that ,banks have said ,in the future, the credit will be further to the small and micro businesses tilt .large state-owned bank to the small and micro businesses to support efforts to strengthen as regulators of each favourable policy come on stage, the listed bank credit gradually to the small and micro businesses tilt .
at the end of last year, the state council executive meeting to study determined the support small and micro businesses development 9 of monetary,fiscal and taxation policies and measures .but for the large state-owned banks, financial support for small and micro businesses is the needs of business development ,more should fulfill social responsibility .
industrial and commercial bank of china 2011 annual reportdata shows ,2011is the bankcredit support to small and micro businesses strength is the greatest year .as of the end of 2011 ,small and micro businesses loans 959300000000 yuan ,an increase of 302800000000 yuan over the beginning of the year ,the rmb loans accounted for 37.
3% of the total increment;loans increased by 46.1% ,the bank loans of the average increase of 3.5 times;small and micro businesses loans to total loans by the end of 2010 9.7% to12.3%,increase 2.
6 percentage points.according to icbc president yang kaisheng introduced ,the next step the icbc credit support to small and micro businesses specific plan is :the next 3 years ,icbc small and micro businesses customer number will double every year ,loans to small businesses will increase more than 140000000000 yuan,to the end of 2015 ,plans to icbc small business loans will reach 1100000000000 yuan .
construction bank 2011 annual report,as of the end of 2011 ,the bank small business loans to 913858000000 yuan ,the customer 72100.the innovation ,for small business development and the introduction of new products .
through the ,credit factory and strive for the development of small and micro businesses provide the best financial solutions .in 2011, ccb has also launched the small small enterprises to provide convenient ,
cheap oakley sunglasses,fast loan channel ;pilot launched the credit ,do not have to resist the pledge quality of small business customers with pure credit loans ,effectively alleviate the small enterprise client security difficult, the difficult problem of financing .
big four banks ,agricultural bank and bank of china are small and micro businesses healthy development give greater financial support .data display ,as of the end of 2011 ,for a total of 45265 families of small and micro businesses to provide credit support ,the loan balance of 575219000000 yuan .
currently, the bank has been in the country to set up 1000 small business credit center.not only that ,the bank also issued on further supporting the small and micro enterprises healthy development of policies and measures to support small and micro businesses ,put forward economic development entities ,and strive to meet the enterprise reasonable financing needs of the twelve measures ,to help customers through the financing difficulties for small .
as of the end of 2011 ,china banking services to small business more than 38000 households,small business loans more than 380000000000 yuan ,the number of customers and loans to grow 247% than 2008 respectively and 404% ,loans to 71.
49%.the data can be seen ,
replica oakley sunglasses,large state-owned banks in 2011 to the small and micro businesses support greatly enhanced ,and product innovation ,and strive to better ,more convenient and efficient service for the small and micro businesses .
the commercial bank innovation product increase credit support to small and micro businesses listed banks in joint-stock commercial banks also unwillings to lag behind .in fact ,the minsheng bank as the representative of the joint-stock commercial banks from years ago began in the small and medium enterprises loan micro normative ,convenience ,service and so on have been optimised secret agents ,unremitting diligence .
minsheng bank located in the small and micro businesses banks ,business loan to small micro finance 2 ,innovative small and micro businesses means of risk management, and the establishment of clothing ,jade ,stone ,and other characteristics of aquatic product ,tea industry professional branch .
data shows ,end 2011 end ,
cheap oakleys,minsheng bank small and micro businesses loans and medium and small businesses loans reached 232495000000 yuan and 105217000000 yuan,respectively 46.24%and 32.3% growth in late 2010 .
in 2011, huaxia bank small and micro businesses business sustained development ,small and micro businesses customers rapid growth ,customer total nearly 160000 .the report shows ,by the end of last year ,the small and micro businesses loans of nearly 130000000000 yuan in loans ,the proportion of total loans exceeded 20% ,faster than the growth rate was 5.
55 percentage points .huaxia bank adhere to the precision marketing ,docking platform ,chain development marketing strategy ,clear business district ,park ,the core enterprise ,electronic transactions ,financing institutions ,social groups such as the six major cooperation platform ,batch service small and micro businesses customers ,
fake oakleys,business loans ,credit form of revolving credit, guarantee the syndicated loan of 15 series of small business financial services products .
china merchants bank at the end of 2011, domestic medium and small businesses loans totaling 468282000000 yuan ,increase 79864000000 yuanthan the end of 2010 ,china merchants bank of domestic enterprises accounted for the proportion of loan ratio at the end of 2010, up 3.
50 percentage points to 53.22% .according to the new international standard caliber small and micro businesses loans amounted to 325070000000 yuan ,increased 25.52%over the previous year .at the same time ,small and medium enterprises credit assets quality further ,poor rate is at the end of 2010, down 0.
29 percentage points to 1.17% .in 2012, beijing bank launched a service small and micro businesses eight initiatives .data display ,as of the end of 2011 ,the bank of beijing small business loan balance of rmb 93230000000 yuan,relatively the beginning of the year increased 24550000000 yuan, an increase of 35.
7% ,higher than the average growth rate of the whole bank loans growth rate 15 percentage points ;for 4274 households, with increased at the beginning of 1021,an increase of 31.4% .industry analysts believe that ,commercial bank capital management measures provisions ,the sme loan in weighting method applied under 75% favorablerisk weight ,under the law of internal ratings by retail loan applies preferential capital supervision .
to face greater capital gap banking services ,small and micro businesses and reduce capital expenditure obviously realistic meaning .small micro financial bond issuance scale blowout in addition to guide the credit support to small and micro businesses development ,regulators also expand multiple channels to help small and micro businesses financing .
in october 25, 2011, the cbrc issued on the support of commercial bank to further improve the miniature enterprise financial services supplementary notice (hereinafter referred to as notice ) ,to support commercial banks through the issuance of financial bonds to raise cash ,to provide small and micro businesses loans .
and also requires commercial banks to issue a written commitment ,commitment to raise the capital for issuing loans to small and micro businesses .not only such ,the state council executive meeting previously clear ,to the commercial bank to issue financial bonds corresponding to the single door 5000000 yuan of the followingsmall micro enterprise loan ,in the calculation of loan to deposit ratio can be included in the scope of examination ,and allowing commercial banks will be single household credit 5000000 yuan of the followingsmall micro enterprise loan as retail loan risk weight ,reduce capital to take up .
since regulators of opening policy ,the listed commercial banks are competing small micro financial debt .according to incomplete statistics ,a few months time, national joint-stock bank drafts or small and micro businesses financial bonds issued a total of nearly 280000000000 yuan .
from the listed bank ,performance conference and public information statistical point of view, the listed banks in minsheng bank ,industrial bank ,shanghai pudong development bank ,beijing bank ,bank ,china merchants bank ,shenzhen development ,ningbo bank to apply for the issuance of financial bonds 243000000000 yuanfor small .
a few days ago, china everbright bank approved to issue not more than 30000000000 yuansmall and micro businesses and financial bonds .not only that ,not listed commercial banks joined them .guangdong development bank ,bank of hangzhou ,bank of chongqing ,bank of harbin did not appear on the market the bank to apply for the issuance of 43500000000 yuan ofsmall financial debt .
small micro financial debt so popular causes ,industry analysis ,the current ,the bank deposit and lending ratio higher, while the negative interest rate has not been improved significantly ,bank deposits increased pressure .
in this case ,small and micro businesses special issue financial bonds ,can increase the bank small and micro businesses credit amount of funds, but also enjoy the loan-to-deposit ratio assessment to relax policy ,the bank is willing to release .