Loan than five rows in both future and liability management difficulty

　　, Agriculture, engineering, construction, five lines reported third-quarter results have been announced a few days ago. Judging from published data, five savings and loan than a rose in the first half, increased by an average of 2% per cent. It is worth mentioning is that, agriculture, building three major deposits in the third quarter compared with a negative growth in the first half, preliminary calculations, deposits outflow of almost $ 285 billion.

　　Industry analysts believe that despite the third quarter, the State-owned lines continue to scale back lending, deposit loss, coupled with high deposit reserve rate and reserve turned over to the expanded scope and, therefore, liability management of Chinese banks will further increase the pressure in the future.

　　Bank reported third-quarter results show that as of September 30, five large loan ratio has increased slightly. Within bank deposit ratio of 56.55% than half rose 1 8%.; bank deposit ratio for 62.66%, increased first half of 1.; bank deposit ratio of 65.14% than half rose by 3.07%; bank deposit ratio of 72.81% than half rose by 2.2%.

　　Not long ago, the Central Bank statistical data indicate that, at the end of the third quarter of 2011, all financial institutions Renminbi loans 52.91 trillion yuan. From a third-quarter earnings report displays a balance of view, the first three quarters of total deposits of about five rows of 42.7 trillion yuan.

　　Among them, the first three quarters of this year, ICBC and bank deposit balance was 121,442. $ 3.2 billion and $, an increase of $ 97.094 billion and $ in the first half. But in addition to these two lines, it is worth noting is, agriculture, construction, and three major deposits are shrinking in the third quarter.

　　Three quarterly according to the BOC Group customer deposits 79,708. $ 4.6 billion, representing a reduction in the first half 1255.9.5 billion yuan, CCB group customer deposits $ 9,735,580,000,000, representing a decrease of 156.528 billion in the first half. Even number ranking first in the national agricultural bank branches and outlets, the first three quarters of balance of customer deposits are reduced $ 2.76 billion in the first half, to $ 9,703,827,000,000. This means that the large State-owned bank deposits outflow in the third quarter amounted to 284.883 billion yuan.

　　”In fact, the Central Bank statistics shows further decline in growth in m 2 to 13%, have been able to show that bank put on deposit increased pressure. “Guosen securities Banking Analyst, Qiu Zhi is recognized as a” loss of deposit limits the growth of Bank lending, which led to the Bank lending growth continued to slow, while the Bank’s performance this year are still spread to upgrade factors complementary to price, but to the pressures of bank earnings growth in the medium and long term appeared. ”

　　Statistics released by the Central Bank report also showed that the first three quarters of financial institutions an accumulated increase of 5.68 trillion yuan this year, according to the Bank reported third-quarter results, rough statistics, the five lines of the first three quarters of new loans amounted to $ 2.87 trillion.

　　In accordance with usual practice, the basic rhythm of commercial bank lending for the year to 3:3:2:2, so the Bank will scale back credits in the third quarter. But from Bank three quarter performance report data view, credit scale compression most obvious of is BOC, the line this year Qian three quarter added loan for 5,877.700 million Yuan, due to first quarter and second quarter single quarter added loan amount are over 250 billion yuan, therefore, BOC in third quarter Meng “brake”, added loan only for 31.8 billion yuan, loan incremental more second quarter sharply fell 108.915 billion yuan.

　　In addition, the other four lines are also reduced the amount of credit, agricultural Bank of China new loans of 103.549 billion yuan in the third quarter, and ICBC third quarter new loans 264.96 billion yuan, CCB 201.25 billion in new loans in the third quarter; the Bank is $ 74.527 billion in new loans in the third quarter.

　　Ended third quarter’s end state-owned loans respectively to five rows: rows 62,483.2.8 billion yuan, ABC 54,874. $ 6.2 billion; $ ICBC 7,599,040,000,000; the Bank $ 6,341,637,000,000 and Bank $.