In recent days, a news that "regulators require banks to have monthly new loans exceeding the same period last year" has attracted attention. It is said that some banks have received window guidance, and some banks have even been interviewed in person and are required to have monthly new loans exceeding the same period last year. Many banks have bluntly stated that they are under great pressure.
Regarding this news, a Beijing Business Daily reporter learned from many loan assistance platforms that this is indeed happening. At present, banks are planning to increase online loan cooperation with the platform, and more and more banks have expressed their willingness to focus on small and micro businesses with the platform, and the amount of funds will be more abundant in the future.
Bank lending demand is strong
"Regulation requires banks to increase monthly new loans to exceed the same period last year." In just over ten words, it has touched the nerves of many bank institutions.
On June 7, a Beijing Business Daily reporter interviewed and confirmed more than a dozen banking institutions, and most institutions were secretive about this.
However, a glimpse can be seen from the recent public statements of some banks and the actions of bank credit intermediaries.
For example, a large state-owned bank mentioned at the performance briefing that in terms of credit issuance this year, the total amount of RMB loans will be initially arranged to be higher than in 2021, and at the same time, it will be moderately adjusted in accordance with the requirements of the central bank. In terms of structure, first, we must support credit growth in key areas such as inclusive micro-sized, scientific and technological innovation, green credit, manufacturing, specialization and innovation, and rural revitalization; second, we must adhere to the orientation of retail transformation, maintain the stable issuance of personal housing mortgage loans, and promote the development of personal consumption loans, credit card loans, etc.
In addition, in recent days, many marketing information released by a bank credit intermediary has also attracted the attention of Beijing Business Daily reporters. He said that the loan products of a certain local bank are upgraded throughout the year, without mortgage or guarantee, and personal credit consumption loans can apply for a maximum amount of RMB 1 million, and the annual interest rate for withdrawals in June is 4.86%. In addition, banks have introduced policies to benefit enterprises, raising the amount and reducing interest rates to business owners, and even achieving a 24% discount on repayments in the first 6 periods. It is not difficult to see that many regional small and medium-sized banks are focusing on credit issuance and have successively launched price cuts to seek growth.
In fact, since the beginning of this year, due to the impact of the epidemic, many places have taken strict prevention and control measures, and small and medium-sized enterprises, especially key industries such as catering and tourism, have been severely impacted. Against this background, supervision has continued to introduce a number of policies to encourage the increase in credit supply to support the recovery of the real economy. Taking the "Notice on Further Improving Financial Services for Enterprises in Industry and Industries Affected by the Epidemic" issued by the China Banking and Insurance Regulatory Commission as an example, it proposes that banking institutions should promptly meet the reasonable and effective credit needs of enterprises in industries and enterprises temporarily in trouble due to the epidemic, and strive to achieve a steady growth in credit balances in industries that are severely affected by the epidemic.
"Regulation requires banks to increase monthly new loans to exceed the same period last year. The main reason is to expect to provide more care for small and medium-sized enterprises in the context of epidemic prevention and control." Su Xiaorui, senior analyst of the financial industry in iResearch Analysis, commented.
Regarding this regulatory requirement, Wang Shiqiang, senior researcher at Bingjian Technology Research Institute, also believes that supervision encourages banks to add new monthly loans. The main purpose is to help enterprises affected by the epidemic and other environments overcome difficulties by supplementing corporate cash flow. In addition, it is hoped to stimulate enterprises to expand production and stabilize economic growth by providing credit funds. At present, almost all commercial banks will actively participate in it and fulfill their lending responsibilities, among which the main credit products include personal housing loans and consumer loans, real estate enterprise financing, small and medium-sized enterprise business loans, etc.
The head loan assistance platform welcomes the opportunity
Although most banks remain silent on this regulatory requirement, a Beijing Business Daily reporter still confirmed the news from several loan assistance institutions that cooperate with banks.
A platform told Beijing Business Daily reporters that some banks did receive this request, and some company business personnel said they clearly felt that the bank’s demand for lending was stronger than before. "In the past, we were both Party B, and it was difficult to cooperate with the bank to meet, but recently it was obviously not that difficult. After all, the offline growth pressure of banks is high. Now through online cooperation, the loan balance may be more conducive to new increases, which is also good news for us."
"I did hear something."A executive of a loan assistance company told Beijing Business Daily that the data can also show that according to the company's latest quarterly financial report, the total amount of loans matched in the current period was 15.25 billion yuan, an increase of 40.5% from the same period in 2021. From the perspective of the growth rate, it can be found that the demand at the bank loan assistance level has increased.
There is also a leading loan assistance agency that also revealed to Beijing Business Daily reporters, "At present, banks, small loan companies, and Internet financial companies are all focusing on small and micro credit. Judging from the loan amounts of various assets on the platform, the growth rate of small and micro loans is the fastest. We are also constantly accelerating the iteration of risk control models to find more high-quality assets, and more and more banks have expressed their willingness to cooperate with us in small and micro businesses, and the amount of funds will be more abundant in the future. ”.
” This window guidance may be targeted at some banks with poor credit growth. ” Yu Baicheng, director of Zero One Research Institute, pointed out that under the influence of the epidemic, banks bear the responsibility of supporting the recovery of the real economy, expand credit scale and reduce interest rate costs, and on the other hand, face the risks of declining corporate repayment capabilities and rising bad debts. Therefore, for banks at present, exploring customer loan needs and controlling credit risks are both challenges, and it is difficult to meet current needs in traditional ways. In this context, banks need to use lending partners to explore and explore user needs, improve credit efficiency, and prevent bad debt risks.
However, although the pressure on banks to add new loans has increased, the requirements for cooperative lending platforms have not been reduced.
As a business staff of a lending company said to Beijing Business Daily, it can be felt that banks have stronger cooperation needs than before, but in actual requirements and The cooperation standards have not been relaxed, such as the company's popularity and reputation, the company's compliance and strength, the company's business capabilities, risk level, technology capabilities, products, etc., there are still many dimensions to evaluate partners.
In Su Xiaorui's view, the increase in monthly new loan pressure on banks will indeed be beneficial to the development of the loan assistance industry to a certain extent. However, after the severe rectification of the early stage, the pattern has gradually formed. Even if the pressure on banks increases, they usually tend to choose the leading loan assistance platform to cooperate.
clarifies the rights and responsibilities of cooperation and boundaries
How to maintain risks while seeking growth, whether for banks or loan assistance platforms, it will be a big test.
"Banks want both, the risk performance must be good, and the scale must be guaranteed. "As the senior executive of the loan assistance company said, the banks that the company cooperates with are mainly urban commercial banks and Internet banks. During the cooperation process, it can be felt that the bank's requirements for the platform are still very strict. Therefore, whether it is a partner or a platform, it is still prudent to follow the national policies. Ensuring asset quality and healthy development is the top priority.
In Su Xiaorui's view, for banks, although the supervision proposes relevant indicators such as the ability to relax bad tolerance, how to judge whether these small and medium-sized enterprises are operating sustainability and whether there will be troubled waters to catch up with others remains to be measured; in addition, compliance issues related to the loan assistance field are still the focus. In her opinion, whether it is online or offline, it is necessary to clarify the cooperation rights and responsibilities and boundaries of both parties, and do a good job in protecting personal information related to the protection of financial consumer rights and interests. In addition, we must adhere to the local service attributes of small and medium-sized banks and remain cautious in terms of cross-regional red lines such as business development.
Yu Baicheng also said that some lending institutions have advantages in online business, long-tail small and micro customer service, and technological capabilities, which can complement banking business. Of course, in cooperation with banks and lending institutions, compliance should be the premise, and new risks should not be derived from increased cooperation. For example, banks should establish a unified bank access mechanism for cooperative institutions, clarify responsibility sharing in cooperation with lending institutions, and strengthen marketing normativeness.
Wang Shiqiang believes that this year, due to the impact of the epidemic and other factors, the short-term funding demand of enterprises and individuals has increased, which has driven the development of consumer finance and small and micro enterprise credit, which may be the main reason for the rapid year-on-year performance of some lending institutions.For banks, they should cooperate with third-party intelligent risk control companies in the future, strive to build their own risk control capabilities and customer acquisition capabilities, and reduce their dependence on loan assistance and traffic giants. Only in this way can lending customers become real own customers and survive in the fierce competition.
Beijing Business Daily reporter Liu Sihong
