What is Loan Stock?

Existing loans refer to existing loan amounts. The main characteristics of its performance are that there are many traditional industries and few emerging industries; general loan types account for a large proportion, and innovation loans account for a small proportion; there are many customers with low credit ratings and few customers with high credit ratings; Turnover is less fluid.

Stock loan

Stock

(1) Misalignment of management focus. First, grassroots loan officers have more business views and less risk views. Focusing on interest collection and light on capital collection, the management of loans focuses more on whether they can collect interest and less on whether they can repay loans when they mature. The second is more static and fragmented management and less dynamic risk management. Loan officers often pay attention to the "three-point" management of investigation, disbursement and recovery, and lack dynamic monitoring and early warning measures for loans. Third, the existing assessment indicators make loan management focus more on short-term and local benefits, and less on long-term and overall benefits. The requirements of the mortgage loan cancellation each year are not taken into account in the business target responsibility system and the breakdown of related indicators and tasks, so that grass-roots operators often consider their own tenure benefits and believe that the mortgage loan cancellation will reduce the deposit.

At the beginning of 2009, many citizens rushed to the bank to inquire

Relaxation of loan disposal conditions for existing platforms

The policy rhetoric of stock platform loans has finally loosened. Zhou Mubing, vice chairman of the CBRC, stated publicly that in the next stage, the CBRC will focus on advancing risk mitigation, rectification and credit enhancement of existing platform loans.

In addition, to the industry's surprise, Zhou Mubing mentioned for the first time that some eligible stock platform loans will allow the repayment period to be extended or renewed once.

This is the first time that the CBRC's senior management has relaxed the requirements for the disposal of existing platform loans since the CBRC launched a large-scale investigation of unpacking, restoring, and classifying disposition of platform loans. Prior to this, the supervisory department's supervision of existing platform loans has been very strict, and it is forbidden to move through renewal or borrowing new ones. At the trustee's mid-year work conference held at the end of July 2009, Liu Mingkang, the chairman of the CBRC, also emphasized again that "for the principal and interest of loans due, they cannot be renewed or borrowed."