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China Commercial Banks Credit Risk Management and Industry Credit Strategy Report, 2013-2017

China Commercial Banks Credit Risk Management and Industry Credit Strategy Report, 2013-2017

China Commercial Banks Credit Risk Management and Industry Credit Strategy Report, 2013-2017

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  • Table of Contents

  • Content Summary

China Commercial Banks Credit Risk Management and Industry Credit Strategy Report, 2013-2017

Chapter 1: Background of Credit Business for China Commercial Banks

1.1 Overview of Current Situation Faced by Commercial Banks

1.1.1 Changes of Economic and Financial Environment for Banking Industry

1.1.2 Restrains of Internal and External Environment on Banking Industry

1.1.3 Overall Changes Trend for Social Financial Needs

1.2 Concepts Related to Credit Business of Commercial Banks

1.2.1 Definition of Credit of Commercial Banks

1.2.2 Source of Credit Funds for Commercial Banks

1.2.3 Classification and Application Range of Credit Loans

1.2.4 Advantages of Development of Credit Loan Business

1.3 Operating Management of International Lending

1.3.1 Lending among International Banks

1.3.2 International Bank Lending to Companies

1.3.3 International Bank Lending to Governments

Chapter 2: Analysis of Market Environment for Business Credit of China Commercial Banks

2.1 Analysis of Policy Environment for Credit Business of Commercial Banks

2.1.1 Policies Related to Credit Loans of Commercial Banks

2.1.2 Analysis of Policies to Promote the Credit of UMKM

2.1.3 Explanation of Investment Direction Policies of the Industry

(1) Explanation of Policies on Major Infrastructure

(2) Explanation of Policies on Government-lead Investment

(3) Explanation of Policies on People’s Livelihood and Consumption

(4) Explanation of Policies on Emerging Industries and Other Industries

2.2 Analysis of Economic Environment for Credit Business of Commercial Bank

2.2.1 Analysis of Growth of Domestic GDP

2.2.2 Analysis of Industrial Economic Growth

2.2.3 FAI

2.2.4 Total Retail Sales of Consumer Goods

2.2.5 Total Value of Import & Export and the Growth

2.2.6 PMI

2.2.7 Non-manufacturing PMI

2.2.8 Analysis of Social Financial Scale

2.3 Analysis of Money Supply Environment of Capital Market

2.3.1 Analysis of Regulation Policies on Three Currencies of People's Bank of China

(1) Regulation Control of Rediscount Rate

(2) Regulation Policies on Reserve Requirement Ratio

(3) Regulation Policies on Money Market Rate

2.3.2 Money Utilization of Other Financial Institutions

(1) Analysis of Money Utilization of Stock Market

(2) Analysis of Money Utilization of Bond Market

(3) Analysis of Money Utilization of Bill Market

(4) Analysis of Money Utilization of Insurance Market

(5) Analysis of Money Utilization of Foreign Exchange Market

(6) Analysis of Money Utilization of Fund Market

(7) Analysis of Money Utilization of Gold Market

2.4 Forecast for Credit Environment of Commercial Bank

2.4.1 Forecast for Credit Policies of Commercial Bank

2.4.2 Forecast for Development of Domestic Economic Situation

2.4.3 Forecast for Money Operation of Capital Market

Chapter 3: Analysis of Development Features of Credit Business of China Commercial Banks

3.1 Analysis of Supply and Demand of Commercial Banks

3.1.1 Analysis of Credit Loan from Commercial Banks

(1) Analysis of Loan Size of Commercial Banks

(2) Analysis of Loan Structure of Commercial Bank by Department

(3) Analysis of Loan Investment Directions of Commercial Bank by Industry

3.1.2 Analysis of Market Demand for Domestic Loans

(1) Analysis of Loan Demand for Large-scale Enterprises

(2) Loan Demand Status of SMEs

(3) Analysis of Personnel Loan Demand

3.1.3 Demand Forecast for Domestic Credit Market

3.2 Analysis of Loan Investment Directions of Financial Supplementary Institutions

3.2.1 Structure of Loan Balance of Financial Supplementary Institutions

(1) Loan Investment Directions of Small-loan Companies

(2) Analysis of Loan Investment Directions of Guarantee Agencies

(3) Analysis of Loan Investment Directions of Pawn Industry

(4) Analysis of Loan Investment Directions of Private Lending

3.2.2 Development Trend of Financial Supplementary Institutions

(1) Trend for Quantity Enlargement

(2) Trend for Becoming Operation-based Banks

(3) Trend for Relying More on Bank

(4) Trend for Market Segmentation

(5) Trend for Operation with Full License

3.3 Analysis of Competition Situation of Credit Business of Commercial Bank

3.3.1 Analysis of Competition Trend of Credit Business of Commercial Bank

(1) Gradual Diversification of Competitors

(2) Multi-level Competitive Contents

(3) Limitation of Traditional Competition Ways

3.3.2 Competition among Branches of Commercial Banks

(1) Development Size of Branches of Commercial Banks

(2) Distribution Status of Branches of Commercial Banks

(3) Analysis of New Branches of Commercial Banks

Chapter 4: Analysis of Credit Investment Directions of Market Segmentations of China Commercial Banks

4.1 Analysis of Credit Investment Directions of New Energy Industry

4.1.1 Analysis Policy Environment for New Energy Industry

(1) Overview of Laws and Regulations Related to New Energy Industry

(2) Explanation of Key Policies of New Energy Industry

4.1.2 Analysis of Development Profile of New Energy Industry

(1) Analysis of Overall Development Features of @

(2) Development Trend of Key Market Segments in New Energy Industry

(3) Construction Progress of Key Projects in New Energy Industry

(4) Explanation of Problems in the Development of New Energy Industry

4.1.3 Analysis of Development Situation and Performance of New Energy Enterprises

(1) Analysis of Overall Operation of New Energy Enterprises

(2) Development Situation and Performance of Listed New Energy Enterprises

(3) Development Situation and Performance of Non-listed New Energy Enterprises

4.1.4 Analysis of Credit Situation of New Energy Industry

4.2 Analysis of Credit Investment Directions of Software Industry

4.2.1 Analysis of Policy Environment of Software Industry

(1) Overview of Laws and Regulations Related to Software Industry

(2) Explanation of Key Policies Related to Software Industry

4.2.2 Analysis of Development Profile of Software Industry

(1) Analysis of Overall Development Features of @

(2) Explanation of Problems in the Development of New Energy Industry

(3) Analysis of Development Trend and Prospects of Software Industry

4.2.3 Analysis of Development Situation and Performance of Software Enterprises

(1) Analysis of Overall Operation of Software Enterprises

(2) Development Situation and Performance of Listed Software Enterprises

4.2.4 Analysis of Credit Situation of Software Industry

4.3 Analysis of Credit Investment Directions of E-commerce Industry

4.3.1 Analysis of Policy Environment of E-commerce Industry

(1) Overview of Laws and Regulations Related to E-commerce Industry

(2) Explanation of Key Policies of E-commerce Industry

4.3.2 Analysis of Development Profile of E-commerce Industry

(1) Analysis of Development Features of E-commerce Industry

(2) Explanation of Problems in the E-commerce Industry

(3) Analysis of Development Trend and Prospects of E-commerce Industry

4.3.3 Analysis of Development Situation and Performance of E-commerce Enterprises

(1) Analysis of Overall Operation of E-commerce Enterprises

(2) Development Situation and Performance of Listed E-commerce Enterprises

4.3.4 Analysis of Credit Situation of E-commerce Industry

4.4 Analysis of Credit Investment Directions of Semiconductor/IC Industry

4.4.1 Analysis of Policy Environment for Semiconductor/IC Industry

(1) Overview of Laws and Regulations Related to Semiconductor/IC Industry

(2) Explanation of Key Policies Related to Semiconductor/IC Industry

4.4.2 Analysis of Development Profile of Semiconductor/IC Industry

(1) Analysis of Overall Development Features of Semiconductor/IC Industry

(2) Analysis of Development Trend and Prospects of Semiconductor/IC Industry

4.4.3 Analysis of Development Situation and Performance of Semiconductor/IC Industry

4.4.4 Analysis of Credit Situation of Semiconductor/IC Industry

4.5 Analysis of Credit Investment Directions of New Energy Vehicles Industry

4.5.1 Analysis of Policy Environment for New Energy Vehicles Industry

(1) Analysis of Overall Development Features of New Energy Vehicles Industry

(2) Explanation of Problems in the New Energy Vehicles Industry

(3) Analysis of Development Trend and Prospects of New Energy Vehicles Industry

4.5.2 Analysis of Development Situation and Prospects of New Energy Vehicles Enterprises

4.5.3 Analysis of Credit Situation of New Energy Vehicles Industry

4.6 Analysis of Credit Investment Directions of Clean Technologies Industry

4.6.1 Analysis of Policy Environment for Clean Technologies Industry

(1) Overview of Laws and Regulations Related to Clean Technologies Industry

(2) Explanation of Key Policies Related to Clean Technologies Industry

4.6.2 Analysis of Development Profile of Clean Technologies Industry

(1) Analysis of Overall Development Features of Clean Technologies Industry

(2) Explanation of Problems in the Clean Technologies Industry

(3) Analysis of Development Situation and Performance of Clean Technologies Industry

4.6.3 Analysis of Development Situation and Performance of Clean Technologies Industry

4.6.4 Analysis of Credit Situation of Clean Technologies Industry

4.7 Analysis of Credit Investment Directions of Triple Play Industry

4.7.1 Analysis of Policy Environment for Triple Play Industry

(1) Overview of Laws and Regulations Related to Triple Play Industry

(2) Explanation of Key Policies Related to Triple Play Industry

4.7.2 Analysis of Development Profile of Triple Play Industry

(1) Analysis of Overall Development Features of Triple Play Industry

(2) Explanation of Problems in the Triple Play Industry

(3) Analysis of Development Situation and Performance of Triple Play Industry

4.7.3 Analysis of Development Situation and Performance of Triple Play Industry

4.7.4 Analysis of Credit Situation of Triple Play Industry

4.8 Analysis of Credit Investment Directions of Modern Agriculture

4.8.1 Analysis of Policy Environment for Modern Agriculture

(1) Overview of Laws and Regulations Related to Modern Agriculture

(2) Explanation of Key Policies Related to Modern Agriculture

4.8.2 Analysis of Development Profile of Modern Agriculture

(1) Analysis of Overall Development Features of Modern Agriculture

(2) Explanation of Problems in the Modern Agriculture

(3) Analysis of Development Situation and Performance of Modern Agriculture

4.8.3 Analysis of Development Situation and Performance of Modern Agricultural Enterprises

4.8.4 Analysis of Credit Situation of Modern Agricultural Enterprises

4.9 Analysis of Credit Investment Directions of Pharmaceuticals Industry

4.9.1 Analysis of Policy Environment for Pharmaceuticals Industry

(1) Overview of Laws and Regulations Related to Pharmaceuticals Industry

(2) Explanation of Key Policies Related to Pharmaceuticals Industry

4.9.2 Analysis of Development Profile of Pharmaceuticals Industry

(1) Analysis of Overall Development Features of Pharmaceuticals Industry

(2) Explanation of Problems in the Pharmaceuticals Industry

(3) Analysis of Development Situation and Performance of Pharmaceuticals Industry

4.9.3 Analysis of Development Situation and Performance of Pharmaceuticals Enterprises

4.9.4 Analysis of Credit Situation of Pharmaceuticals Enterprises

4.10 Analysis of Credit Investment Directions of Entertainment and Media Industry

4.10.1 Analysis of Policy Environment for Entertainment and Media Industry

(1) Overview of Laws and Regulations Related to Entertainment and Media Industry

(2) Explanation of Key Policies Related to Entertainment and Media Industry

4.10.2 Analysis of Development Profile of Entertainment and Media Industry

(1) Analysis of Overall Development Features of Entertainment and Media Industry

(2) Explanation of Problems in the Entertainment and Media Industry

(3) Analysis of Development Situation and Performance of Entertainment and Media Industry

4.10.3 Analysis of Development Situation and Performance of Entertainment and Media Enterprises

4.10.4 Analysis of Credit Situation of Entertainment and Media Enterprises

4.11 Analysis of Credit Investment Directions of Retail Industry

4.11.1 Analysis of Policy Environment for Retail Industry

(1) Overview of Laws and Regulations Related to Retail Industry

(2) Explanation of Key Policies Related to Retail Industry

4.11.2 Analysis of Development Profile of Retail Industry

(1) Analysis of Overall Development Features of Retail Industry

(2) Explanation of Problems in the Retail Industry

(3) Analysis of Development Situation and Performance of Retail Industry

4.11.3 Analysis of Development Situation and Performance of Retail Enterprises

4.11.4 Analysis of Credit Situation of Retail Enterprises

Chapter 5: Analysis of Regional Competition of Credit Business of Commercial Banks

5.1 Development Analysis of Credit Business of Beijing Commercial Banks

5.1.1 Financial Environment for Credit Business of Beijing Commercial Banks

5.1.2 Industry Investment Directions for Credit Business of Beijing Commercial Banks

5.1.3 Operational Status of Credit Business of Beijing Commercial Banks

5.1.4 Interregional Competition of Credit Business of Beijing Commercial Banks

5.2 Development Analysis of Credit Business of Shanghai Commercial Banks

5.2.1 Financial Environment for Credit Business of Shanghai Commercial Banks

5.2.2 Industry Investment Directions for Credit Business of Shanghai Commercial Banks

5.2.3 Operational Status of Credit Business of Shanghai Commercial Banks

5.2.4 Interregional Competition of Credit Business of Shanghai Commercial Banks

5.3 Development Analysis of Credit Business of Zhejiang Commercial Banks

5.3.1 Financial Environment for Credit Business of Zhejiang Commercial Banks

5.3.2 Industry Investment Directions for Credit Business of Zhejiang Commercial Banks

5.3.3 Operational Status of Credit Business of Zhejiang Commercial Banks

5.3.4 Interregional Competition of Credit Business of Zhejiang Commercial Banks

5.4 Development Analysis of Credit Business of Guangzhou Commercial Banks

5.4.1 Financial Environment for Credit Business of Guangzhou Commercial Banks

5.4.2 Industry Investment Directions for Credit Business of Guangzhou Commercial Banks

5.4.3 Operational Status of Credit Business of Guangzhou Commercial Banks

5.4.4 Interregional Competition of Credit Business of Guangzhou Commercial Banks

5.5 Development Analysis of Credit Business of Shenzhen Commercial Banks

5.5.1 Financial Environment for Credit Business of Shenzhen Commercial Banks

5.5.2 Industry Investment Directions for Credit Business of Shenzhen Commercial Banks

5.5.3 Operational Status of Credit Business of Shenzhen Commercial Banks

5.5.4 Interregional Competition of Credit Business of Shenzhen Commercial Banks

5.6 Development Analysis of Credit Business of Jiangsu Commercial Banks

5.6.1 Financial Environment for Credit Business of Jiangsu Commercial Banks

5.6.2 Industry Investment Directions for Credit Business of Jiangsu Commercial Banks

5.6.3 Operational Status of Credit Business of Jiangsu Commercial Banks

5.6.4 Interregional Competition of Credit Business of Jiangsu Commercial Banks

5.7 Development Analysis of Credit Business of Shandong Commercial Banks

5.7.1 Financial Environment for Credit Business of Shandong Commercial Banks

5.7.2 Industry Investment Directions for Credit Business of Shandong Commercial Banks

5.7.3 Operational Status of Credit Business of Shandong Commercial Banks

5.7.4 Interregional Competition of Credit Business of Shandong Commercial Banks

5.8 Development Analysis of Credit Business of Sichuan Commercial Banks

5.8.1 Financial Environment for Credit Business of Sichuan Commercial Banks

5.8.2 Industry Investment Directions for Credit Business of Sichuan Commercial Banks

5.8.3 Operational Status of Credit Business of Sichuan Commercial Banks

5.8.4 Interregional Competition of Credit Business of Sichuan Commercial Banks

5.9 Development Analysis of Credit Business of Liaoning Commercial Banks

5.9.1 Financial Environment for Credit Business of Liaoning Commercial Banks

5.9.2 Industry Investment Directions for Credit Business of Liaoning Commercial Banks

5.9.3 Operational Status of Credit Business of Liaoning Commercial Banks

5.9.4 Interregional Competition of Credit Business of Liaoning Commercial Banks

5.10 Development Analysis of Credit Business of Fujian Commercial Banks

5.10.1 Financial Environment for Credit Business of Fujian Commercial Banks

5.10.2 Industry Investment Directions for Credit Business of Fujian Commercial Banks

5.10.3 Operational Status of Credit Business of Fujian Commercial Banks

5.10.4 Interregional Competition of Credit Business of Fujian Commercial Banks

Reporting core values

The most distinctive characteristics of this report is forward-looking and timeliness. Through analyzing forward-looking characteristic of abundant first-hand market data, we deeply and objectively dissect China current commercial banks credit business’s affecting factors and competitive landscape. Furthermore, based on future development tracks and years’ practice experience of commercial banks credit business, we conduct indepth analysis on the sustainable development of commercial banks and roads, as well as we conduct prudent analysis and forecast for the future development trend of commercial banks credit business.

Main Contents of report

In 2010, commercial banks positively support macro-control and national strategies strive for grasp development opportunities and make efforts to increase credit. With both fast expanding of asset size and the steady of maintaining profits, the internationalization and integration level is further boosted. Some changes have taken place in banking industry’s market landscape, the market shares of state-owned banks have increased, and the market shares of foreign banks have decreased. Commercial banks actively comply with regulatory requirements and rationally control the pace of credit. At the end of 2010, the non-performing loan ratio was 1.14%, and the balance of bad loan was 429.3 billion Yuan, which keep “both decrease”. The provision coverage ratio of commercial banks is further improved.

Since 2011, the People’s Bank of China has focused on maintaining the basic stability of general price level, a priority task of macro-control, implemented a steady monetary policy, alternated to use quantitative and pricing monetary policies, strengthened to regulate and control the liquidity management and the total supply of money and credit, maintained a rational social financing size, and promoted the steady and health development of economy. In addition, the Central Economic Annual Work Conference has proposed, both financial policies and credit policies should pay attention to strengthen the coordination and cooperation with their industry policies, which fully reflects guidance by different categories and the combination of support and control, continue to increase investment in “three rural problems” (agriculture, rural areas and farmers), affordable housing, social business, etc., and continue to support the scientific innovation, energy and environmental protection, strategic emerging industries, the national major infrastructure projects in progress and their extension projects, enterprise technical reconstruction, etc., which provides a direction for the “combination of support and control”.

According to statistics released from the People’s Bank of China, during the period of 2006 to 2010, except that the growth rate of increased credit size in 2009 reached 130% due to the 4 trillion investment plan, the growth rates of other years generally keep at about 15% to 18%; as of the end of December 2011, the supply amount of M2 reached 85.16 trillion Yuan, which was 2.61 trillion Yuan more than the 82.55 trillion Yuan in November of 2011. Taking all comprehensive factors into consideration, it’s rational to maintain the growth of loan volume between 13% and 14%, and it’s predicted the newly increased loan size will generally be 8 trillion Yuan.

In addition, the Central Economic Work Conference has made general requirements for economic work in 2012, “continue to implement proactive financial policies and steady monetary policies, maintain the continuity and stability of macro-economic policies, and strengthen the direction, flexibility and forward-looking of regulation and control”. Moreover, the conference points out according to operational conditions of economy to pre-adjust and make the tiny adjustment timely, to comprehensively use kinds of monetary tools, maintain the rational growth of loan volume and improve the credit structure. Analysts consider, the monetary policy extends from “only attaching great importance to liquidity” to “maintaining the rational growth of loan volume”, which reflects the substantial change of government’s attitude.

With Forward’s long-term tracking and collecting market data of banking credit business industry, we roundly and accurately analyze the industry structure system for you from the view of mastering the whole industry. This report mainly focuses on analyzing the market environment of China commercial banks credit business; the domestic credit demand status; the industry investment attractiveness of domestic commercial banks credit capital; the credit volume status in key regions; the credit risk management and commercial banks credit strategies. Meanwhile, with comprehensive and specific first-hand market data over the past 5 years, Forward helps you to grasp the market and development trends of overall commercial banks credit volume, so as to win advantages from competition!

The most distinctive characteristics of this report is forward-looking and timeliness. Through analyzing forward-looking characteristic of abundant first-hand market data, we deeply and objectively dissect China current commercial banks credit business’s affecting factors and competitive landscape. Furthermore, based on future development tracks and years’ practice experience of commercial banks credit business, we conduct indepth analysis on the sustainable development of commercial banks and roads, as well as we conduct prudent analysis and forecast for the future development trend of commercial banks credit business. This report helps commercial banks and related financial institutions to precisely grasp current latest developments of the domestic loan volume. Afterwards, they can make wise operating decisions and define enterprises’ development directions. Moreover, this report is the first and weighty report on analyzing the development status of commercial banks credit business and analyzing its leading corporations in an all-round and systematical way.

Here, we would like to express our sincere gratitude to China Banking Regulatory Commission, Bureau of Statistics of China, International Information Research Institute, Chinese Academy of International Trade and Economic Cooperation, Tsinghua University Library, Development Research Center of the State Council and Beijing Essence Forward Research Center, for their great support when we conduct this report!

Notice: All the market data, especially corporations' ranking data in the report, only for business reference. Please do not take the data for enterprise publicity. Thank you! Or Forward shall not take any responsibility for any consequences!

Qianzhan Business Information Co., Ltd. Industry Research Center
Research Team of Commercial Banks Credit Business

 

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