The water is so deep that it is difficult to write a profound article without staying in it. I don't know much about it, but I can provide some "performance phenomena". 1. In fact, everyone in the industry knows that the current credit quality is "terrible" except mortgage and pledge loans. Even mortgage and pledge have high evaluation value. As long as you are familiar with the evaluation company and have public relations, the evaluation value will generally give you a high value (evaluation value problem). Second, for most banks, the loan customers are divided into 1. New customers. If the credit crunch gives priority to existing customers, of course, if new customers are of good quality (such as good public relations, real strength and pledge), they will also be given priority. Why? Customers with stock loans usually turn to loans at maturity. If you don't give them loans, they will immediately become non-performing loans, which will immediately affect their performance. How can leaders tell that there are non-performing loans? In addition, do you know where these customers with stock loans come from to repay their loans? Borrowed it. From whom? Third, the purpose of the loan, it is really wise to pay attention to the purpose of the loan in the new loan regulations, because the loan funds are generally not used according to the agreed purposes when applying for loans, and only a few people who are really engaged in industry will use the loan funds according to the agreed purposes. Although there are many regulations and systems in the new loan regulations, it is really difficult to track the use of loans, and it is not that banks do not track them. Customers have many countermeasures, such as forging contracts, entrusting loan funds to relatives, or simply withdrawing cash. To sum up, the quality of credit is really not very good. Some stock customers don't know how many times they turn every year. There are people who transfer for customers. Why? Because of the assessment problem, if the loan goes up, the account manager under its jurisdiction will be criticized and the performance will be deducted. Do you know why many guarantee companies are deserted recently? Because many large borrowers have no money to repay the loan, they look for a guarantee company to repay the loan on their behalf (of course, this requires a high handling fee, that is, usury), and then some loans are banked and only run away. Then think about the current situation of guarantee companies in China, how many guarantee companies there are in each region, and how many businesses each guarantee company has. I'm afraid to think about it. How many people who have no money to change money are lending! What is the credit quality? Very shallow, for reference only.