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Deposit ratio has started to cancel individual provisions of the revised program is expected to complete the revision of the year,woolrich accessori
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A recent article, titled "China canceled the release of loan-deposit ratio of about 7 trillion loan funds,?chaussures louboutin," the widely reproduced by the network, causing concern. The article said that after the commercial bank deposit ratio of 75% red line release, according to 18% of the deposit reserve ratio projections, the bank can release about 7 trillion of loan funds to the community.
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Yesterday (May 24),ugg roxy tall bottes, cancel the loan-deposit ratio of the basic message is confirmed: the NPC Standing Committee,nike air max 90 femme, Wu Xiaoling, vice chairman of Financial and Economic Committee on the Global Financial Forum Wudaokou Tsinghua University, said about the cancellation of loan ratio indicators, we have launched a single clause the revised procedures.
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Some lawyers said that this shows canceled deposit ratio has been substantial progress. However, the canceled loan ratio means that commercial banks can assess whether the massive release of loan funds? Does that mean the new 7 trillion avalanche? "Daily Economic News" reporter learned that multi-party lending limits of commercial banks, deposit-loan ratio is not only an indicator, including capital adequacy ratio, leverage ratio, liquidity coverage ratio, the so-called 7 trillion loan statement and do not fly.
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The year is expected to complete the revision
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The so-called bank loan ratio, that is the total amount of bank loans / total deposits. In China, the commercial bank loan ratio can not exceed 75% of the provision in May 10, 1995 by the Eighth National People's Congress passed, inclusion of the "Commercial Bank Law."
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Over time, in recent years, the loan-deposit ratio is increasingly challenged the rigid constraints, many professionals recommend on many public occasions,police, cancellation or appropriate to improve this indicator.
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Until recently, the fate of deposit-loan ratio assessment indicators have a more clear view. CBRC Vice Chairman Zhou Mu ice in a policy briefing by the State Council held on May 8 that the loan-deposit ratio monitoring indicators will become the future reference.
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Wu Xiaoling said yesterday, canceled on deposit ratio indicators,hogan rebel, it has launched a revision of the provisions of individual programs. This means that the deposit-loan ratio assessment indicators have been included in the cancellation schedule.
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"Daily Economic News" reporter from the Department learned that a number of the legal profession, cancel loan ratio modification relates to "Commercial Bank Law", must be proposed for consideration by publishing four programs.
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Start individual provisions have been revised procedures means that the first & lsquo; the proposed program,basket louboutin, the Law Committee has begun drafting of relevant documents,escarpin louboutin occasion, and then again on the NPC Standing Committee for consideration,parajumpers truman jacka, to vote by a show of hands after. Shanghai Han Road Law Firm has represented Chilean red.
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According to the reporter, since last year, loan ratio assessment indicators have signs of loosening. Last June 30, the CBRC announced the adjustment of commercial bank loan ratio calculation caliber, molecular (loans) deducted six,adidas zx 750, the denominator (deposits) increased two. Molecular deduct qualifying bonds, increasing the denominator has not yet started issuing bank for corporate and individual certificates of deposit.
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In November 2014, when he said publicly that China Banking Regulatory Commission Vice Chairman Yan Qingmin, China Banking Regulatory Commission has reported the State Council, the NPC recommend appropriate amendments to "Law on Commercial Banks."
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Tsang Chi Hung told reporters, with respect to laws and regulations enacted by the NPC, the NPC Standing Committee passed legislation relatively easy to modify some. NPC Standing Committee,parajumpers jacka, vice chairman of the Financial and Economic Committee,louboutin chaussures soldes, said in public start individual provisions of the revised procedures, it basically means that the revised program is already in progress, it is estimated during the year can be completed fastest revision.
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Loans by multiple index constraints
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In the "Commercial Bank Law" of the early 1990s, China's banking sector liabilities are mainly deposits, assets, primarily loans. The loan to deposit ratio as monitoring indicators, can more effectively manage liquidity risk, and control over the loan. But 20 years ago, China's banking industry has undergone tremendous changes, somewhat outdated loan ratio assessment indicators.
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Wu Xiaoling said that the cancellation may be to deposit ratio of commercial banks in the structure of the distribution of assets on greater autonomy. Loan ratio is hard targets laid down in the original, now in the implementation of the "Basel Ⅲ" (containing internationally accepted standards of bank capital adequacy ratio) of the cases,cinture stefano ricci, you can cancel the loan-deposit ratio limit.
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In the long run, no doubt to cancel the loan to deposit ratio of commercial bank management is good, but that does not mean that after the cancellation of the assessment indicators, commercial banks can release a lot of loan funds. This is because the loan limit commercial banks loan to deposit ratio is not only an indicator of capital adequacy ratio, leverage ratio, liquidity coverage ratio and many other indicators will be on the size of loans of commercial banks constituted constraints, so-called 7 trillion loan funds argument does not fly.
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A listed bank told the "Daily Economic News" reporter, "Basel Ⅲ" to prevent credit risks, more comprehensive set of indicators of restrictions, especially in the capital adequacy ratio. Put the bank loans to a large extent by capital constraints, only in the case of capital adequacy in order to put more loans.
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Listed banks deposit ratio from the current data,hogan olympia uomo, and overall growth in the past showing a different end of 2014, many banks loan has decreased relatively early, including Nanjing,occhiali da sole police, China Everbright, Minsheng, China Merchants Bank,grey ant occhiali da sole, Ping five listed banks. Among them, the Bank of Nanjing fell to below 50%, 47.43%.
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In fact, just look at meaningful savings and loan ratio indicators, in fact, our bank loan ratio is not high. But if there is not enough capital, they do not put out as loans. The banks said that the current biggest problem facing banks are not indicators of regulatory constraints on bank lending,saldi woolrich roma, but the period of economic downturn. At present,escarpins louboutin, the business entities for loans effective demand, financial institutions for risk control, but also very cautious.
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