’s livelihood tilt,ebay hogan donna, the central bank credit policy this year, the focus of the general idea of ??the content. However, the “Economic Information Daily” reporter recently learned that research in Sichuan, facing strong demand for rural credit markets, many local village banks, rural credit cooperatives and other financial institutions are restricted by the county, “the size of credit agreement” binding, is not lending money , no loans will be subject to liability dilemma. Industry experts believe that in recent years, excess liquidity in urban areas, a large number of speculative hype phenomenon, and county areas are facing funding and resources “double loss.” Nationally, the entire county financial credit resources in the new rural construction, and urban and rural areas is still obviously do not match, it is difficult to meet the actual demand, the problem is particularly prominent in the Midwest. Regulatory conflicts policy, “one size fits all” or will further lead to the county economy into hollow impasse. CBRC data show that as of the end of September this year, the country has set up village banks, loan companies and rural credit union funds and other categories of new rural financial institutions 858, of which 799 rural banks, located in the Midwest region 481, accounting for 60 %. From the layout, the largest number of rural banks,hollister billig, Liaoning and Zhejiang provinces, followed by Sichuan, Henan, Inner Mongolia again, Jiangsu,hogan, Shandong,offerte hogan scarpe, Anhui, Guangxi and Guangdong provinces in which ten the number of rural banks accounted for over 60% of the country. However, the limited size of credit regulation in recent years, the development of village banks Midwest dilemma: if the central bank credit scale indicators, it can not meet the 50% loan-deposit ratio CBRC regulatory minimum requirements and the conditions for enjoying the Treasury subsidies. “The development of village banks original intention was to form a ‘catfish effect’, activate indirect financing of the county finance. Instead, these institutions are now not lending money, or Bypass innovation,hollister outlet online, or give the customer, or transfer transfer loans, or give deposits which formal financial markets led to transfer to private lending outside the system or even loan sharks. ‘Agriculture’ and the small micro-financing, financing is difficult to alleviate expensive, a lot of money but also to the cities, leading to the slow development of the county economy. “Sichuan Banking Board investigator Man-dimensional Tiger on the “Economic Information Daily” correspondent said. It is understood that in 2011, the central bank monetary policy, a companion measure is the size of credit regulation. In ensuring the overall premise of the credit scale, the central bank according to each region’s GDP as well as local financial institutions soundness indicators, setting different weights to calculate a total lending for regional scale, that is the industry term “credit agreement scale “and then refined to the banking legal entities to become micro-operation policy instruments, in some provinces even been refined to include specific rural credit cooperatives, rural banks such a service” three rural “small and micro businesses agency. “Despite the financial institution for the county agriculture-related loans, the CBRC and the Treasury Department have given a number of policy dividends, but we can not enjoy.” Leshan Jiazhou China Bank Tangyou Fu Fu village on the “Economic Information Daily” correspondent emotion, “this year 10 at the end, our balance of deposits of about 561 million yuan, the loan balance of about $ 230 million, loan to deposit ratio of only 41%, which means not only to face regulatory penalties ratings downgrade even points and establish branches and business innovation will be subject to regulatory restrictions, and also can not enjoy the Ministry of Finance proposed commitments from 3 million to 4 million yuan subsidies for agriculture-related loans and in fact, we had total assets of more than 900 million yuan, and has sufficient capital reserves, but has no central bank to give us the amount of credit. “village banks as a new financial institution representatives, its scope of business for the traditional basic deposits and loans. Policy, the China Banking Regulatory Commission has provided that after the establishment of village banks in the first five years, in principle, 75% of the deposit-loan ratio assessment of regulatory indicators ceiling. But at the same time in order to encourage rural banks to put more money into the county and the “three rural”, the CBRC also corresponding provisions in the end to the bank rating, you need to assess whether the lower village bank loan ratio reached 50%. In addition, the Ministry of Finance in 2009 to carry out the financial institutions of the county agriculture-related loans incremental rewards, also called agro loan growth and deposit ratio shall not be less than 50%, or can not enjoy the subsidy incentives. Accordance with the minimum 50% deposit ratio calculation Jiazhou people rich village banks can lend at least 50 million yuan. “This year, the central bank gave us only 100 million yuan credit indicators, namely the registered capital twice in the second half we try and apply to 30 million yuan,scarpe hogan interactive, but near the end of the year, there are 60 million yuan loans to customers needs, we can not meet , which also brings the risk of losing customers. Preliminary told,collezione hogan 2011, the average annual gap in our lending limit has about $ 200 million. “Tangyou Fu further said. According to the survey, similar Jiazhou rich people into a quandary village banks such agriculture-related financial institutions to small and medium in Sichuan minority,hollister co online shop, especially in some counties, such internal control credit scale Forced sized banks are corporate bodies “literally.” In this regard, the People’s Bank branch in Leshan city in a responsible person to accept the “Economic Information Daily” reporters, said, “As the village bank is a new rural financial institutions, the establishment of the initial data of the specific indicators are not perfect, so we have to registered capital allocation for the standard size of credit. established in accordance with the registered capital of a year to put in double the amount of the credit,acquisto hogan online, the establishment of two years or more are twice the amount of the registered capital to put the credit of the province are so of course We will according to different needs, appropriate maneuvers certain amount. policy, adhere to encourage financial institutions to support the ‘Agriculture’ and small and micro enterprises. “In fact, for large banks, because of its multi-industry, region wide,infradito hogan, innovation and strong, “Consensus credit scale,scarpe donna hogan,” the larger internal room for maneuver; But relative to local, community-based small and medium banks, such as village banks such institutions, “Consensus credit scale” to adjust the space is almost non-existent. “At present, the size of credit control and supervision of the CBRC, the Ministry of Finance has appeared contradictory requirements subsidies,hogan stivaletto uomo, but in any case, not as a precondition to market demand and do not consider the size of financial institutions differentiated regulation, would be extremely detrimental to the healthy development and the County Finance market-oriented reforms. “regulatory branch Leshan, Sichuan Banking Bureau Director of Regulatory three duty military admitted that” of course, 50% of the minimum regulatory lags indicators should also be different for different regions and differentiated banks to adjust. “from CBRC figures show that as of the end of June this year, the country has opened rural banks had total assets of 319 billion yuan, the capital adequacy ratio of 28.6%; loan balance of 178.2 billion yuan, farmers and small business loans of 600 billion yuan and 84.1 billion yuan The overall banking sector accounted for about 2% of the total agricultural loans. In addition, in the first half, the National Rural Bank NPL ratio was 0.2% provision coverage ratio reached 860%. Series of data show that rural banks support the “three rural” and small and micro enterprises there is a huge potential and space, which will rely on the county to promote financial reform. “County industrial economy, agricultural economy and the service economy,hogan scarpe bambina, a meeting point, the next step is to actively promote China’s urbanization is an important carrier.” Institute of Finance, the State Council Development Research Center, deputy director of Ba that “the county’s financial system building, on the one hand the need to relax the county financial institutions access restrictions, moderate expansion of private capital and foreign investment on the openness of a multi-channel funds into the county to attract financial markets; hand will have to let go of the county loan rate regulation, the implementation of the county Financial interest rate risk pricing mechanism for increasing the competitiveness of the county credit markets,hogan 35, the flexibility to meet the financial needs of the county. “
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