129834111028702500_68⊙ Miao Yan 0 edits to journalist learned from stakeholders, as part of a routine check, bank loans this year classification inspection work is in progress. Found at the early stage of check, some banking on prudence inadequate for classification of real estate loans, real estate loans overdue for more than 90 days have not yet classifiedBad loans, loan quality is not a true reflection.
This also becomes a bank loan classification is not true.
Recommended reading in June the bank interest rate cuts expected to enhance financial products 5% first mortgage yields fell below 85 percent discount to extend people's livelihood again denied involvement in the case of agricultural Bank of China Vice Governor Yang Kun banks are broken NET: transfer or trap? "Cloning"Falsely claimed the 510,000 of savers mortgage 85 percent off again to expand the scope of the heads of the comedy see ATM machines 囧 囧 | understanding before, earlier this year China Banking Regulatory Commission will supervise banking institutions doing real loan classification
TERA Gold, improving the quality of statistical data as a priority this year. China Banking Regulatory Commission Chairman Shang Fulin noted that real, comprehensiveAnd information is the basic premise of banking risks management. Especially in the current situation of economic growth has slowed, increasing volatility of asset quality of the banking sector, only do a thoroughly sound job in each dynamics of asset identification and classification of risk adjustment to changes in risks in the banking sector as a whole to make accurate decisions, and respond effectively. For this reason, early supervision departments at all levels are in accordance with theWork arrangements, steering solid loan classification of banking institutions, and strengthen supervision of asset classification authenticity verifiable, ensure accurate and objectively reflect the risk profile. In addition, the CBRC required banking information system of financial institutions to speed up the construction of infrastructure, improve data set Standardization Management, establishing a solid solid data governanceMechanisms, and improving data quality of the risk management and regulatory submissions information. According to reports, the CBRC has always attached great importance to the quality of loan migration check and site examination on loan deviation of. Five-level site examination on loan deviation of and a solid five-tier loan classification is one of the CBRC will do a year of work. Can be sure of is that loan there is deviation of. This guideLoans caused by deviation of book classification and the true classification, classification accuracy of distortion.
This will affect the real statistics of bad loans, also may make a lot of loan loss and provisions cannot participate in verification. According to reports, the CBRC required banks to do real purpose of classification, is true of reducing bad loans to real conditions. But it may make commercialBanks ' bad loans and poor rates of increase on the existing basis. Since last year, the balance of bad loans in the banking sector rebound has two quarters in a row, the industry is expected, if the implementation of classification in place this year, might makes this year's overall poor increased.
But from the perspective of risk prevention in the future is essential. A State-owned bank of personsPoint out that loan classification of existence have been inaccurate. In 2009 after the surge in loans, particularly loans and real estate loans increased faster
Diablo 3 power leveling, making this more prominent. Real estate loans overdue for more than 90 days should be classified as belonging to the category of bad loans attention class of the secondary class rather than a normal loan. In addition, commercial banks in order to ensure regulatory compliance
Diablo 3 CD-KEY, does the deposit"Using the old and new" and "guaranteed mortgage" illegal operations such as, this category also a larger deviation. However, he said the classification of State-owned banks is relatively standard, little deviation of, and the problems of small and medium-sized banks and financial institutions in rural areas is relatively serious.
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