Agricultural Bank of China leads other banks in loan increment and growth rate.
Like the whole year of 20 18, agricultural bank of China has the largest amount of new loans among state-owned banks. In the first half of the year, the bank's loans increased by more than 1 trillion yuan, with an increase of 8.8%. Last year, the new loan of ABC was 12200.74.
1 billion yuan.
The management of ABC said at the performance meeting that in the first half of this year, the bank's loan increment and growth rate ranked first among comparable peers.
By the end of the first half of the year, the total loans and advances of ICBC customers ("various loans") were/kloc-0,627,654,380,224,000 yuan, an increase of 8565,438,365,438,090,000 yuan, an increase of 5.5%.
"Our total loan amount is generally stable and strong." Gu Shu, president of ICBC, said.
Guo Mang, vice president of Bank of Communications, said that this year, Bank of Communications plans to increase loans by 380 billion yuan, and 60% of the loans have been put into the annual plan in the first half of the year. The main principles of lending are universal benefit for small and micro enterprises, private enterprises, medium and long-term loans and credit loans. While completing the regulatory targets, it is necessary to improve the structure, and at the same time, it is also transforming into retail business, with the regional focus on the Yangtze River Delta and Guangdong-Hong Kong-Macao Greater Bay Area.
Talking about the loan investment in the second half of the year, Gu Shu said that the total amount will increase steadily, orderly and moderately in the second half of the year; Structurally, more attention will be paid to supporting and cultivating new economic growth points, especially the transformation and upgrading of manufacturing industry; The third is to control risks and maintain sustainable development.
Xu Yiming, chief financial officer of CCB, said: "The new loans in the first quarter are indeed faster and slower in the second quarter, but this speed will not last so fast. The first half of this year was a relatively high growth point, and the loan speed in the second half was slower than that in the first half. "
State-owned banks have expressed strict access to housing enterprises.
Banks in various countries also set the tone of real estate loans in the second half of the year at the performance briefing.
Ji Zhihong, vice president of CCB, said,
In the next step, CCB will continue to strengthen quality management and promote structural adjustment. At the same time, we will further strengthen access standards, set stricter standards for enterprise qualifications, asset-liability ratio and net assets, strictly implement regulatory policies, ensure the compliant development of real estate development loans, and strengthen supervision over the use of funds.
The growth rate of CCB's real estate development loans in the first half of the year decreased by 6.55 percentage points year-on-year. At the same time, after careful selection of real estate development loans, the non-performing amount decreased this year compared with the beginning of the year, and the non-performing rate was 0.8 1%, which was 0.3 percentage points lower than the beginning of the year.
Wang Wei, deputy governor of China Agricultural Bank, said that the bank's real estate loans will follow three points:
First, strictly review personal housing mortgage loans, implement indicators such as minimum down payment ratio and income repayment ratio, strengthen borrower qualification review and authenticity verification of down payment source income, and prevent false mortgages and personal consumption loans from being misappropriated for buying houses.
Second, strict access to real estate development enterprises, implementation of measures such as housing enterprise qualification, project four certificates, and fund use control, adherence to the city's policy, and strengthening the access management of customers and regional nuclear projects.
The third is to entrust real estate enterprises to carry out credit business in bond investment, wealth management and financing, bond underwriting and other fields. , strengthen the verification of the legality of the project and the use of funds to prevent funds from flowing into the real estate market in violation of regulations.