The plan of the year is spring.
At present, various banks are sprinting with all their might to make a good start in "credit", in order to realize early investment and early income.
Many people in the banking industry said that at the beginning of the year, the competition among banks for high-quality credit customers was extremely fierce.
Although the pressure exists objectively, analysts said that under the background of policy-guided credit growth, the "good start" of credit issuance can still be expected.
Time-hungry task
When it comes to the "good start" of sprint credit, many people in the industry have mentioned the word "difficult".
Liu Wei (pseudonym), general manager of the inclusive department of a secondary branch of a major bank in Jiangsu, introduced that the bank's inclusive small and micro enterprise loans will achieve good growth in 2021.
"Last year, we worked hard to speed up the launch. Some projects that could be launched at the beginning of this year were all released at the end of last year, and we will look for new projects this year."
He also mentioned that the bank's small and micro enterprise loans are repaid as needed, and companies will only raise them when there is demand.
"This year's Spring Festival is relatively early. Many small and micro enterprises have already taken a holiday and may not start work until mid-February. Coupled with the epidemic situation and rain and snow weather, the overall pressure on investment in January is relatively large."
"The specific task indicators for the first quarter have not yet come down, but I feel that it is still more difficult to expand customers." Chen Yue (pseudonym), the corporate credit manager of a joint-stock bank's Beijing branch, said that the current external competition is fierce, and the bank is pricing loans. Compared with big banks, it is not very advantageous, and at the same time, the internal compliance requirements of banks are higher, so it is more difficult to expand customers.
There are also bank projects with relatively sufficient reserves.
Hangzhou Bank recently said in an institutional survey that the demand for credit in the bank's operating area is relatively strong.
In the fourth quarter of 2021, the bank has accumulated relatively sufficient credit reserves. Since the beginning of 2022, the bank is actively carrying out special marketing activities for the spring ploughing action to build up its credit reserves.
Wang Yifeng, chief analyst of the financial industry of Everbright Securities, said that according to his research, the overall project reserve strength of the interviewed banks was lower than that of the same period last year, but some banks said that the project reserve was relatively sufficient, and the project reserve at this stage can support 40% to 50% of the whole year's credit put.
"Growth" is the key word
Regarding the focus of credit issuance, the 2022 work conference held by the China Banking and Insurance Regulatory Commission recently proposed to increase the supply of financing reasonably, and to ensure the financing of key areas and major projects in the "14th Five-Year Plan".
Support moderately advanced infrastructure investment.
Promote the increase, expansion, and price reduction of financing for small, medium and micro enterprises.
Better serve key and core technology research enterprises and "specialized and special new" enterprises.
多位受访人士均提到，当前银行对优质客户的竞争尤为激烈。如何定义优质客户？“成长性”或是关键词。
“双创、涉农、扶贫各个产业的贷款我们都要做，但我们还是非常看重企业的成长性。面对科创型企业、高端制造企业时，我们会尽可能针对其特点创新产品和服务。”刘伟称，比如，对于缺少抵押的一些科创型企业，该行推出知识产权抵押类信贷产品。
“放贷款并不是一放了之，更多是希望通过一笔信贷业务绑定一个有成长性的客户。”陈悦提到，判断企业是否优质主要看其所处行业、经营业务是否有前景、是否有核心技术、是否具有一些不可替代性等。
一季度是全年信贷投放高点
信贷投放“开门红”难度客观存在，但既是压力，也是动力。分析人士认为，在政策引导信贷增长大背景下，信贷投放“开门红”仍可期。
“相比去年同期，今年1月的信贷增量在数量上可能没那么多，但迄今为止仍然保持了正增长。”刘伟称。
杭州银行表示，从年初情况来看，2022年1月前半个月信贷投放增量已高于去年1月份增量，后续投放增量可期。
“一季度信贷投放预计呈现‘1月不强，一季不弱’的态势。”王一峰称，今年1月中旬以来信贷投放已有所发力，但临近春节，1月最后一周信贷投放节奏将放缓。2月受春节因素影响，信贷投放难以明显上量。但进入3月，预计随着政策进一步显效，信贷投放力度将加速恢复。3月贷款投放将有明显修复，一季度仍将是全年信贷投放高点。
交通银行金融研究中心资深专家周昆平预计，在政策引导信贷增长的背景下，预计1月新增信贷投放量达3.7万亿元，高于去年同期水平。