Is credit management an important barrier in the financial crisis?

1. What's the attitude of the bank?

Unwilling to borrow money, unwilling to borrow money, afraid of bad debts, such as the 30% discount policy of ICBC mortgage, which took n long to arrive. In fact, the non-performing loans in May 438+February last year have rebounded from June165438+1October. Moreover, at present, many small and medium-sized enterprises in the Pearl River Delta and Yangtze River Delta have chosen to postpone construction. Coupled with the drought in the north, the economy and employment are even less optimistic. Under the background of uncertain economic prospects, the credit boom contains great risks.

2. What measures does the bank have?

Strictly examine the borrower's credit history. If the credit is coming, never lend it out. It was reported the day before yesterday that a person applied for a 30% discount on his mortgage, but he paid back 6 cents a few years before the investigation. Therefore, a 30% discount is not allowed. After calculation, it seems to be nearly 20 thousand more. I can't remember clearly. It's strict anyway. The state also requires optimizing the credit structure. For example, selectively expand the scale of credit, that is, choose some projects that can greatly promote economic recovery for loans.

3. What is the impact of credit on saving the economy?

According to the latest news, banking financial institutions 1 month increased loans 1.6 trillion yuan, setting a historical record, and this figure is almost 1/3 of the amount of new RMB loans in the banking industry in 2008. In addition, in 1 month, banking bill financing accounted for more than 30% of the credit increase, and medium and long-term loans accounted for a relatively prominent proportion. It is reported that the regulatory authorities are investigating and asking the banking industry to pay attention to preventing risks under the principle of maintaining pressure.

The role of credit is mainly reflected in providing temporary funds for some enterprises (individuals) with insufficient funds or enterprises with broken capital chains. In other words, the creation of new purchasing power can enable enterprises to continue to operate and alleviate the current financing difficulties of enterprises in China (because at this time, especially the reduction of orders of small and medium-sized enterprises, it is very likely to lose the funds necessary for their continued development, and it is much more difficult for small and medium-sized enterprises to borrow money themselves than large listed companies). In this way, enterprises will continue to operate, continue to create GDP and bring more employment opportunities.

The characteristic of loan consumption is "saving the poor but not saving the poor". The loan is not "appropriation", and the principal and interest must be fully recovered as agreed. This can be said to stimulate enterprises to increase their competitiveness.

However, the world is still arguing about credit-some people say it is good, others say it is not good. I won't explain it here. Otherwise, if there is a crisis, I will relax my credit. Not that cheap!

Finally, in the economic downturn, liquidity will make the crisis more and more serious. The result of saving the economy by credit alone is not so clear. This line of credit still needs to be grasped.

That's all I wrote. I'm going to do laundry-