The CBRC Wants To Introduce New Regulations, Small And Medium Banks Are Under Pressure.

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Affected by this news, bank equity began to turn downward on Tuesday, three consecutive days of floating green.

At present, the CBRC has not responded to this.

A staff member of the budget department of a large state-owned commercial bank told the Securities Daily reporter that at present, the bank has not received any oral and written notice from the CBRC.

A joint stock bank stakeholders also told reporters that the bank did not receive such notice.

According to the 2.5% standard, according to the semi annual report of listed banks this year, most banks will not meet the standards, and compared with the large state-owned banks, most joint-stock banks and city commercial banks are far from standard.

Based on the data at the end of 6, the balance of loans of listed banks was 31 trillion and 180 billion yuan, and loan loss preparation was 7 billion 267 million yuan, and the provision / total loan ratio was 2.33%.

According to the calculation of national securities, if the proportion of total loans to 2.5% is calculated, it will be required to set aside 82 billion 955 million yuan in 2010.

In 2010, the semi annual data of listed banks showed that the total loan ratios of ICBC, ABC, Bank of China, China Construction Bank and Bank of communications accounted for 2.39%, 3.15%, 2.26%, 2.49% and 1.97% respectively, and only ABC was higher than this standard during the reporting period.

In the small and medium sized listed banks, except the Huaxia Bank and Nanjing bank account for 2.49% and 2.15%, other banks are below 2%, of which only 1.37% of Societe Generale Bank, and the proportion of Shenzhen development, people's livelihood and Pudong development is also low.

Analysts generally believe that the profitability of small and medium banks will be a major impact.

Take Xingye Bank as an example, suppose that the size of the existing provision will be doubled by the ratio of 2.5% loans. According to the calculation of Dongguan securities, if we want to achieve this standard this year, the profit of Xingye Bank will be reduced by 48% in 2010.

According to the China Daily, the average proportion of non-performing assets of listed banks is only about 1.28%, and the proportion of 16 banks' non-performing loans has declined, of which 14 have achieved double falls.

The drop in bad rate has greatly increased the provision coverage of banks.

However, the industry believes that the provision coverage only reflects the coverage level of existing risks, and is not comprehensive enough. Therefore, the regulators intend to introduce the provision of total provision / total loans as a supplement.

It is widely predicted that even if regulators want to issue new rules, it is unlikely that "shock" will require banks to meet their targets in a short time. According to Gao Hua Securities, this will be a long-term goal and may be achieved in 2016.