The personage inside course of study thinks, below the setting that loosens stage by stage in monetary policy, domestic commercial bank manages pressure to will alleviate somewhat. Nevertheless, in element of domestic and international economy the influence falls, the strategy that banking discretion runs is returned aggrandizement, four quarters bank " cherish is borrowed " the case won't appear too big change, but credit structure and assets match can adjust somewhat. Add as domestic and international economy fast put delay, the venture industry that the bank monitors will increase.

Action travel expresses about the personage, the influence that retains synchronism of loan interest rate to reduce pair of banks slants neuter, reserve ratio reduces what raised bank fund on certain level to use efficiency. Put the semmetry that lends interest rate to reduce make the cost of bank use financing and benefit synchronism drop, and of interest duty absolve be helpful for depositor, rate of saving of bank interior current, periodic can be changed on certain level, affect the use cost of capital thereby.

The Agriculture Bank concerns personage introduction, below the setting that loosens stage by stage in monetary policy, the bank is adjusting line of credit and structure. The Central Bank restarted metaphase bill is issued recently, more high grade companies also are preparing relevant emission actively to work, this gives a bank put apart proper line of credit, alleviated the situation of insecurity of early days credit.

Although policy somewhat comfortable, but bank " cherish is borrowed " the situation has big change hard. Bank of the people's livelihood expresses about the personage, foreign finance is at present queasy to domestic economy development brought very big challenge. Domestic bank won't be borrowed because of be being put policy is loose and actively. In the passageway of economic be issued to lower levels, the risk that domestic each industry accumulates is being increased. The key that at present the bank works is the risk that intensifies discharging Cha Qian to be in, adjust credit structure and client structure, enhance management dovish sex thereby.

Loosen estate loan possibility is little

Change an appearance regularly as deposit yield of increasingly apparent, bond drops, the difficulty that bank financing applies also is being increased, put borrow difference to narrow the gain capacity that reduced bank whole undoubtedly.

Labour concerns personage introduction all right, should paying close attention to a few potential tall redound industries closely all right, put in in loan on can tilt somewhat. Nevertheless, to the management environment of prospective banking, this personage is not hopeful. He discloses, be versed in the high risk industry of an attention is increasing at present, besides industry of treatment of landed, foreign trade, the risk of the industry such as spin, electron also is shown stage by stage. Wait for 3 quarterly reports to go out neat hind, labour is done to the risk redound of all industries soon think in detail.
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