Program introduction

Bank loans for housing support is still small and micro loans best game no one played

despite the rumours, but data show 2014 Bank support for the real estate industry as in the past, even better than ever before.

on January 23, the Central Bank issued the 2014 financial institutions Central Bank statistics report, reports show that as of the end of 2014, outstanding Renminbi loans of financial institutions 81.68 trillion yuan, an increase of 13.6%, growth is lower than the end of 2013 0.5%; increase of 9.78 trillion Yuan last year, compared with an increase of 890 billion yuan.

which deserves particular attention is 2014 year of major financial institutions and small rural financial institutions, foreign banks real estate loans totaled 17.37 trillion yuan, an increase of 18.9%, growth is lower than the end of 2013 0.2%; last year an increase of 2.75 trillion yuan for the year, compared with an increase of 405.5 billion yuan, an increase of 28.1% per cent of loans increases over the same period.

calculated 2014 Bank property loans accounted for 21.27% of the outstanding loans, and mid 2014 that number is 20.8%, it is easy to see, in the second half of last year, real estate loans still most banking institutions of all ages.

real estate hot

Central Bank report showed that as of the end of 2014, real estate development loans 5.63 trillion yuan, up 22.6% rate 7.9% higher than the end of 2013. Among them, real estate development loans of 4.28 trillion yuan, up 21.7% rate 5.3% higher than the end of 2013; real estate development loans of 1.35 trillion yuan, up 25.7% rate 15.9% higher than the end of 2013. Personal loans totaled 11.52 trillion yuan, an increase of 17.5%, higher than the same period the loan growth 3.9%; an increase of 1.72 trillion Yuan last year, compared with an increase of 19.6 billion yuan.

same period, real estate development loans and affordable housing development loans of 1.14 trillion yuan, up 57.2% rate 30.5% higher than the end of 2013; increase of 411.9 billion yuan last year, compared with an increase of 258.9 billion yuan, increases real estate development loans and 55% in the same period in 2013, increase of the ratio 24%.

July last year, the Banking Regulatory Commission Shang Fulin, the Chairman said that by the end of June 2014, banking real estate loans has reached 16.2 trillion yuan, 20.8% per cent of the outstanding loans, "owners of housing prices in some areas have even default, some small and medium-enterprise capital chain tension, risks related to credit three or four cities required a lot of attention."

but the full flowering of real estate loans are still reasonable. Last September, the Central Bank and China Banking Regulatory Commission jointly issued the notice of further housing financial services, first suit made for loans to buy housing families, minimum down-payment loan for 30%, a floor on lending rates as the benchmark lending rate of 0.7 times, as determined by the autonomous determination according to the risks of banking institutions. Which are believed to be the real estate market at a straw.

and at the end of last year, more how local Government rescue measures, the property market is hot again.

  according to the National Bureau of statistics data, in December last year, overall prices continued to decline narrowed, new commercial housing turnover and then hit a year high, trading volume in the first-tier cities and prices recovered.

small percentage of micro-credit increments down

  the last two years, regulators have been working to commercial banks, and increasing support for small business loans.

according to Central Bank figures, by the end of 2014, major financial institutions, and small rural financial institutions, foreign banks of small business loans totaled 15.46 trillion yuan, an increase of 15.5% rate 1.3% higher than at the end of last year, higher than large and medium business loan growth respectively over the same period 6.1 and 4.8%, 1.9% higher than the loan growth.

small business loans business loans 30.4%, Bibi 1% higher in late 2013. Last year, small and micro enterprise loans increased by 2.13 trillion yuan, compared with an increase of 128.4 billion yuan, an increase of 41.9% of the total corporate loan increments in 2013, low level of 1.6% per cent.

told a joint-stock Bank Guangzhou finance company, small business lending this year the situation is not optimistic, though uncertain platform lending policy of the Government, but the money was not biased towards small and micro enterprises, is still dominated by large State-owned enterprises, after all, from the situation last year, small business default rate is still at a high level.

in addition, agricultural loan growth also slowed in the past year. Major financial institutions, and small rural financial institutions, rural banks, finance companies and foreign currency loans 19.44 trillion yuan in rural areas, an increase of 12.4% growth 6.5% lower than the end of 2013, increase of 2.45 trillion Yuan last year, up 440.8 billion yuan in less; outstanding farmer loans 5.36 trillion yuan, an increase of 19%, 5.4% is growing much faster than the end of 2013, annual increase of 855.6 billion yuan last year, up 33.8 billion yuan in less agricultural loans of 3.4 trillion yuan, an increase of 9.7% growth 1.9% lower than the end of 2013, annual increase of 306.5 billion yuan last year, up 42.2 billion yuan in less.
 


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