Small Business Banking Regulatory Commission to relax the tolerance of bad loans

 China Banking Regulatory Commission recently said that small businesses will gradually relax the tolerance of non-performing loan ratio. CBRC data show that, as of the end of last year's 12, small business loans reached 7.27 trillion yuan, accounting for 24.01% the balance of corporate loans. Small business non-performing loan ratio was 3.3%, down two percentage points over the beginning. Small business loans throughout the year add 1.8394 trillion yuan, representing an additional 477.1 billion yuan more than last year, the growth rate higher than the average growth rate of loans 10.37 percent.

China Banking Regulatory Commission said that the next stage, and strive to small business loan growth in 2011 of not less than the average annual growth rate of the loans. Gradual implementation of financial services to small business regulatory policy difference, including: appropriate to relax the financial services market access for small business matters application; special financial bonds through the issuance of financial services to small businesses and further expand the channels of the liabilities; appropriate adjustments to off-site monitoring indicators and encourage commercial banks to develop small business financial services; ratio of bad loans to small businesses to implement different methods of assessment, the appropriate relaxation of small businesses and other non-performing loan ratio of the tolerance.

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End of last year, China's non-performing assets of commercial banks to 429.3 billion, poor rate of 1.14%, almost non-performing rate of loans to small business 1 / 3. However, if taking into account one-time divestiture in 2008 nearly 800 billion yuan of China Agricultural Bank of China's bad assets, the current non-performing rate of loans to small enterprises is close to the defect rate of all loans. Visible, small business loan risk is not high. Policy to promote the China Banking Regulatory Commission is expected, interest rates generally can float in the small business loans, this year may grow rapidly.