Reporters today from the people's bank hangzhou central subbranch of the previous three quarters of this year to lead held the economic and financial situation analysis meeting that, since this year, the financial institutions and loan growth slowdown, input structure continues to improve, the overall financial running smoothly.
According to introducing, the first nine months of the year, zhejiang province new financial institutions fixed deposit of 556.72 billion yuan, an increase of 281.99 billion yuan less, deposit balance year-on-year growth of 12.1%, the growth in the first half and the same period last year than dropped 6.3 and 9.5% respectively.
At the same time, the steady monetary policy effect continue to appear, zhejiang financial institutions mortgages moderate growth, growth dropped from month to month present situation. By late September, the financial institutions new loans 513.42 billion yuan, an increase of 121.93 billion yuan less, the loan balance year-on-year growth of 14.1%, year-on-year growth in the first half and than were down 1.2 and 5.6%.
In total loans moderate growth at the same time, "have helped have accused of" credit policy in zhejiang effectively carry out, the supply of credit highlight, the structure is optimized. One is to continue to focus on the real economy. January to September, the foreign currency denominated loan manufacturing new 197.28 billion yuan, accounting for 38.8% of all loans increment, a proportion of 5.1% year-on-year increase; Wholesale and retail foreign currency denominated loan new 97.07 billion yuan, accounting for 19.1% of all loans increment, a proportion of 10% increase over the same period. From the term structure of see, meet the demand of the enterprise capital flow of short-term loans than rising. Late September, the short-term loans year-on-year growth of 18.9%, higher than the long-term loan growth of 11.2%; Than at the new 405.6 billion yuan, accounting for 79.0% of the growth in the loan, up 17.6%. 2 it is small and medium-sized enterprise loan growth sharply. Jan uary to September, the small and medium-sized enterprise loan increased by 268.92 billion yuan, accounting for 85.0% of the growth in loan all enterprise; Among them, to small businesses the support strength is more outstanding. January to September, small business loans increased by 160.53 billion yuan, accounting for 50.8% of the growth in all business loans, up 2.9%.
The meeting noted that, the province's financial institutions to firm the confidence, to respond calmly and conscientiously implement the prime minister wen jiabao of zhejiang important speech spirit, continue to correct carry out the steady monetary policy, keep society financing scale reasonable growth and improve the credit structure, make great efforts to improve for small and medium-sized enterprises of the financial service level, and to strengthen the financial risk monitoring and control, ensure that financial effectively support economic transformation and upgrade. All financial institutions to optimize the credit structure, increase the credit to small and medium-sized enterprises in the current funding efforts work the outstanding position, and endeavor to grow in small and medium enterprise credit amount, ensure that small and medium-sized enterprise loans and small micro enterprise loans in the proportion of all business loans are rising, small and medium-size d enterprise loans and small micro enterprise lending growth are higher than the full loan growth. To small and medium enterprises to optimize credit, combined with the small and medium enterprise "growth to breed" project, give priority to entrepreneurial type, innovative, extroversion, supporting type, type brand small and medium-sized enterprises, especially the capital requirements of small enterprises and increase investment in high and new technology industry, energy conservation and environmental protection industry, modern service industry of the small and medium-sized enterprise credit supply, focus on the emerging industry development, the sea strategic economic development demonstration area construction, zhoushan islands new city construction and yiwu international trade comprehensive reform pilot field of middle and small enterprises related financial support. To deepen the small and medium-sized enterprise financial product innovation, to small and medium-sized enterprise financial service center construction of high-quality curriculums, and promote small and medium-sized enterprise financial institutions system platform, investment and financing trading platform, financial innovation platform, local financial resources rallying platform, financial services security platform "five platform construction, promote the development of small and medium-sized enterprises diversified financial services. To small and medium-sized enterprises in view of the current production and business operation and capital demand characteristic, vigorously promoting financial products and service mode innovation, the integrated use of credit loans, LianBao loans, touch pledge loan, etc DuoZhong ways to support small and medium enterprise development.
Meeting demand the financial institutions truly standardize their own business activities, strengthening social sense of responsibility. All financial institutions should fully consider the enterprise bear ability and in production and management, the active concessions in the enterprise; To conform to the state industrial policy and credit policy requirements, development prospect and credit is good but temporary have difficulty enterprise, loan interest rates rise less as far as possible or not rise, and make sure that "six may not" : not in lending illegal conduct financial transactions, sell when the fund, insurance and other products; In disguised form shall not charge unreasonable fees; Shall not collect unreasonable loan consultation, financial advisers among such as business charges; In disguised form shall not be raised interest rates; To increase the saving and not need a loan enterprise not finish reasonable rewards, or will suck escrow expenses on to loan enter prise; May not take pressure ticket, such as limit transfer by means of unfair competition in business.
The meeting also required the financial organization to strengthen the financial risk monitoring and control, ensure that economic and financial running smoothly. All financial institutions should through the DuoZhong way promptly satisfy the small and medium enterprise normal rational financial needs of enterprise to differentiate between financial difficulties, not smoke at the loan, the pressure lending, prevent spread risk and spread. At the same time, to strengthening credit capital flow and loan USES of the monitor and management, ensure that credit funds to really entity economy, prevent the credit funds for investment in the main business and virtual economy, it is strictly prohibited to credit capital into folk lending
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