How much a bank loan, in addition to its capabilities, also subject to suspension at the head of the "red lines" the LDR-75%. 24th Executive meeting of the State Council, held by the People's Republic of China commercial bank law (draft), deleted the ratio between loans and deposits shall not exceed the provisions of 75%. This will greatly enhance the Bank's lending capacity, strengthen the "sannong" and small micro-enterprise lending in the real economy.
Loan is the amount of commercial bank loans/deposits, Bank-loan ratio, means that the Bank's profit-making ability. But higher bank loan is not possible, to prevent the excessive expansion of bank credit risks, current law stipulates a maximum loan ratio of commercial banks was 75%.
"The inevitable result of the cancellation of the loan is. "The Chinese Academy of Social Sciences Institute of finance and banking Research Director Zeng Gang that, as an indicator of liquidity in banking supervision, LDR regulatory indicators under the background of interest rate liberalization has not adapted to banking debt costs continue to up the reality does not reflect the true liquidity situation in the banking industry will cause distortions in funding. Some banks in order to meet the loan requirements often occur month-end, quarter-"red point", deposit and loan "maneuvers," and so on.
Amendments to the commercial bank law (draft) international experience for reference, and removed the ratio between loans and deposits shall not exceed the provisions of 75%, LDR from statutory and regulatory indicators to liquidity monitoring indicators. This is conducive to improving the monetary transmission mechanism, strengthening financial institutions to expand "sannong" and small micro-enterprise loans.
According to Central Bank data, May increase social funding for 1.22 trillion yuan, 138.7 billion yuan less than last year. Among them, the Renminbi lending to the real economy increased in the month of 851 billion yuan, up 28.1 billion yuan in less. Meanwhile, despite the end of the first quarter of this year China's banking institutions loan-65.67%, but still a number of joint-stock commercial banks and city commercial bank loan ratio close to or more than 75% of the regulatory requirements.
Hang Feng Zhong hua, a researcher at the Department of strategy and innovation, said cancellation of loan will directly contribute to the small bank credit, free up more space. In view of the small bank credit mainly targeted small and medium enterprises, will help promote the development of SMEs, and reduce its financing costs.
Lian ping, Chief Economist of Bank of communications believes that in recent years, the rise of Internet banking, direct financing to factors such as increased bank deposit growth is slowing, subject to LDR assessment, Bank lending is accordingly limited. "At the same time, the deposit interest rate has remained at a high level, the stubbornly high cost of liabilities of the Bank and cancel the loan appraisal help lending rates downward, push the whole society financing costs declined. "
The meeting decided to include amendments to the commercial bank law (draft), submitted to the national people's Congress. Lian Ping said, amending the law to go through strict legal procedures, the Bill can be submitted to the national people's Congress through the rear entry into force.
"Commercial banks have at present widespread commercialization, market management, in the context of risk, no longer on its magic spell. "Guo tianyong, Director of banking Research Center, China Central University of Finance (micro-blogging) thought that the deposit insurance system in the process of being gradually improved, if some banks because blindly lending operation, disorderly, there was problem in risk control, you can deposit insurance system to protect depositors ' money safe.
Zeng Gang believes that despite the cancellation of the loan regulation, but banking regulators are gradually introducing new, more mature international regulatory indicators, improve banking supervision. BAT may have passed away three years after the