Decoration process of provident fund loan

2022-07-22
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Today, the loan network editor will explain the decoration process of provident fund loan to you, hoping to help you

Bank of China (2.63, 0.01, 0.38%) held a 2013 business performance conference in Beijing and Hong Kong at the same time to analyze the profit situation, business transformation, rising non-performing rate and other situations. Bank of China President chensiqing, vice presidents Zhu Shumin and Yue Yi also answered questions from Chinese and foreign media reporters on hot topics of market concern

the asset liability structure continued to improve

"by actively and continuously reducing high-cost liabilities, the average cost of deposits for our domestic RMB and foreign currency customers decreased by 18 and 35 basis points respectively compared with the previous year." When analyzing the factors of performance growth, Chen Siqing said that the asset liability structure of Bank of China was better improved in 2013 by improving the management system and assessment measures and increasing the expansion of core deposits

according to the performance report just disclosed, at the end of 2013, the total deposits of Bank of China group customers were 10097.786 billion yuan, an increase of 923.791 billion yuan or 10.07% over the end of the previous year, accounting for an increase of 0.58 percentage points in total liabilities over the end of the previous year. Among them, the deposits of domestic RMB customers increased by 70.3587 billion yuan or 10.04% over the end of the previous year

it is noteworthy that the daily average balance of domestic RMB demand deposits increased by 9.9% over the previous year, accounting for 2.4 percentage points of the daily average balance of domestic RMB customer deposits, indicating that the deposit structure continues to be optimized

at the same time, BOC continued to increase the proportion of high-yield assets, and the credit structure continued to be optimized. At the end of 2013, the group's total customer loans amounted to 7607.791 billion yuan, an increase of 10.82% year-on-year, accounting for a further increase in the proportion of the group's total assets. Among them, domestic RMB loans increased by 484.503 billion yuan, an increase of 9.56%

it is particularly noteworthy that the growth rate of personal loans is higher than that of corporate loans. Domestic RMB personal loans increased by 15.31% over the end of the previous year, accounting for 33.58% of domestic RMB loans. At the same time, the loans to small and medium-sized enterprises increased rapidly. The loans to small enterprises of "Bank of China credit factory" and domestic medium-sized enterprises increased by 32.00% and 18.19% respectively compared with the end of the previous year, and the proportion of loans to domestic companies increased by 1.49 and 2.35 percentage points respectively

the net interest margin will generally outperform the general trend

"with the development of financial disintermediation and interest rate marketization, the floating space of deposit and loan interest rates will be expanded, and the cost of Bank of China's deposits and loans will rise, which will bring some pressure on the net interest margin of RMB in China." When talking about the future profit growth prospects of BOC, Yue Yi said that due to the high proportion of BOC's overseas assets and foreign currency assets, as well as the deepening of business transformation, the proportion of non interest intermediary business income is also high, so BoC will be relatively less affected by the marketization of interest rates

according to the annual report of Bank of China, the non interest income in 2013 was 123.924 billion yuan, a year-on-year increase of 13.47%, accounting for 30.41% of the operating income, an increase of 0.58 percentage points over the previous year. Among them, the handling fee income of agency business, bank card, settlement and clearing, custody and other entrusted businesses increased by 23.82%, 15.78%, 8.15% and 21.21% respectively over the previous year

it is not difficult to see from the analysis of the performance of Bank of China in 2013 that the net interest margin continues to rise and the proportion of non interest income remains ahead of the peers, which is an important factor in achieving profit growth. In 2013, BOC's domestic RMB net interest margin and overseas institutions' net interest margin widened by 10 and 15 basis points respectively over the previous year, driving the group's net interest margin to increase by 9 basis points to 2.24% over the previous year

According to Yue Yi's analysis, in 2013, when the deposit and loan interest rates both fell, BOC actively optimized the asset liability structure, increased the pressure reduction of high-cost liabilities, drove the domestic RMB net interest margin, and thus improved about 10 bp. For example, the average balance of RMB on balance sheet financial management decreased by 80% compared with 2012, and the negative interest rate decreased by 10 bp

although affected by the narrowing of the interest margin between overseas domestic currency deposits and loans, the net interest margin of foreign currency in BOC fell to 0.96 compared with the previous year; However, as overseas institutions reduced the cost of liabilities through market financing, the net interest margin of BOC overseas increased by 15 BP compared with the whole year of last year, thereby driving the group's net interest margin by about 3 basis points. "We expect that the global economy is expected to continue to recover in 2014, and the net interest margin of overseas institutions will gradually rise." Yue Yi judged that the future interest rate spread will generally outperform the general trend

Yue Yi said that in order to cope with the marketization of interest rates, BOC will further accelerate business transformation, vigorously improve the ability of risk pricing, cost pricing and management cost pricing, including internal capital transfer pricing, establish a more effective risk management system, and strive to improve product innovation and service capabilities

highly concerned about the rebound in non-performing ratio

"our non-performing loans increased by 7.8 billion yuan compared with 2012, and the non-performing ratio increased by 0.01 percentage point. Although this is insignificant in the total amount of bank assets, we are highly concerned about asset quality." In response to the rebound in the non-performing rate, Chen Siqing analyzed real estate loans, investment and financing platform loans, and excess industrial loans one by one

Chen Siqing listed four data: 311.5 billion yuan, 353.5 billion yuan, 188.5 billion yuan and 853.5 billion yuan. The first three correspond to the total amount of real estate loans of Bank of China, the total amount of investment and financing platform loans and the total amount of excess industrial loans. "The sum of the three is the fourth data. The figure of 853.5 billion yuan still has a great impact on our bank wide assets." Chen Siqing said

however, he believes that according to the analysis of these key sensitive loans, the asset quality of Bank of China in 2014 is still controllable and can grasp the risks. Moreover, by expanding overseas business and intermediary business, BOC is still optimistic about revenue growth

first of all, the loans of local government financing platforms decreased by 11.24% compared with 2012, accounting for 8.3% of the loans of domestic companies, the non-performing rate was 0.32%, and the loan allocation ratio was 4.01%. Among them, the loans due in 2014 account for 27%, and the Bank of China is currently investigating the possible situation of these loans one by one

secondly, real estate loans accounted for 7.43% of the company's loans, with a non-performing rate of 0.32% and a loan allocation ratio of 4.92%. At the same time, the balance of real estate loans accounted for 45%, mainly invested in key branches of the bank. In addition, loans for overcapacity are mainly steel, cement and flat glass. The total amount of loans decreased by 7.8% compared with 2012, and the proportion of non-performing rate is 0.75%. Moreover, loans are mainly invested in leading enterprises in excess industries

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