"Although the factors by the end of the quarter point

"Although the factors by the end of the quarter point increase in commercial bank credit in March, but the first half of this year, bank lending will continue, weak momentum." A number of "Economic Information Daily" reporters interviewed bankers said. April 9, the reporter learned from authoritative sources in March, four line New yuan loans in the amount of more than 300 billion yuan, higher than the previous two months.

Yuan of new loans of financial institutions, data from the central bank announced in January and February, the industry-wide yuan loans increased by 738.1 billion yuan, 710.7 billion yuan, so if new yuan loans in March 8000 billion yuan, showed that a quarter of this year new loans in the amount equivalent to the same period last year reached 2.25 trillion, a quarter of new RMB loans of 2.24 trillion yuan last year.

However, many industry analysts consider the investment environment, incompetent, and consumption have increased dramatically in a short time is difficult, the first half of this year, bank credit will remain weak, and along with continued adjustment of the loan structure.

Throughout March, the Construction Bank loans amounted to 64.1 billion yuan, a slight increase of 300 million yuan from the previous month. The same time, according to ICBC President Yang Kaisheng 2011 results conference revealed that, as of March 25, ICBC this year, the amount of new loans of 207.3 billion yuan, while in the first two months of ICBC's new loans of 165.5 billion yuan. This means that ICBC first three weeks in March put the credit of approximately 41.8 billion yuan.

ICBC insiders "Economic Information Daily" reporter said, "come to the end of the month Hot Keyboard and the end of the quarter, the bank last week and credit general there will be substantial growth, ICBC New yuan loans in March, the amount remains at about 100 billion yuan. "

In addition, the SW analysts predict that, in March, policy banks and credit that may arise ring greatly improved may reach 340 billion by $ 200 billion more than in February, so this also makes the March the overall scale of credit from the previous month increased. "Despite the credit data for March compared to the previous two months will be slightly higher, but in fact, corporate short-term loans grew more, the amount of long-term loans is still much to maintain the first two months of this year downturn trend, which is mainly the main industry of the investment is weak, few existing loan quality projects. "director of the Institute of International Finance, ZONG" Economic Information Daily "reporters.

In addition, the slow growth rate of investment result in new long-term loans amount is difficult to get the effective growth of the more important is the scale of bill financing persistently high. "If some of the factors, in March, the new credit does not appear in a surge situation." CCB head office senior researcher Zhao Qingming, told reporters that from the point of the end of the quarter red factors to consider, the scale of bill financing is unlikely to be reduced.

Different sectors, the bank loans of local government financing platform to clean up many projects of new loans in the current policy, no significant growth; in real estate loans, bank loans for real estate development as a whole to tighten, although in March from the start in the first suite of mortgage lending rates eased, but because of real estate overall control tone has not changed, the effective demand of the market purchase is still subject to inhibition. individual new loans, the data in March compared with the previous be increased by two months, but has little effect on overall credit growth. "ZONG further alleges that the bank credit structure needs to be adjusted, such as water conservancy construction, construction engineering construction projects such as the need to increase investment.

In the face of the growth rate of investment fell, medium-and long-term weak credit, ICBC loans structural adjustment also lists the specific requirements, "This year, ICBC's strategic investment in new industries over the 2011 doubling; advanced manufacturing and modern service sector loans accounted for the proportion of corporate loans increased to more than 25% and 20% at the same time, we also require investment loans of cultural industries growth is higher than the growth rate of the general class of loans; and the development of trade finance business and small and medium-sized loan business. "Mr Yang told reporters.

In addition, fiscal deposits allocated, residents and businesses deposit rebound factors, the amount of commercial bank deposits in March to grow significantly. "Economic Information Daily" reporter was informed that the Dell XPS Keyboard CCB only new deposits in March reached 401.2 billion yuan. Analysis to judge, point-based factors, only four bank deposits in March of this year will be over 2 trillion, therefore, bank capital is relatively abundant, the loans will not be limited by the amount of money, mainly to see the overall economic environment . But does not rule out the first quarter, deposits of enterprises may outflow from the four lines.

Analyst Liu Jun, corporate demand deposits accounted for rebound may be derived more corporate demand deposits due to the corporate short-term loans, is not necessarily a corporate initiative to increase the proportion of demand deposits, and therefore economic activity improved also need to further observation.