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Guangdong Development Bank is characterized by consumer credit


Expansion, quality improvement, to optimize the asset structure of commercial banks to improve asset quality and increase revenue with an important role. Fourth, the highlight of highlights over the years, the Guangdong region of consumer credit growth is a major housing loans and personal auto loan. Guangzhou City, the end of 2001, a housing loans and 42% increase compared to last year, the amount of individual housing loan growth increment in the financial institutions the proportion of applicants to 25.3%, in increments of a consumer credit the proportion reached 82.6%, a housing credit balance accounts for a total balance of consumer credit, 90.8%. This shows that the current individual housing loans is the largest consumer credit growth. However, in recent years, the rapid growth of automobile consumption loans. Guangzhou City, for example, the end of 2001, the city's automobile consumption loans over the previous year increased by nearly 4-fold increment in consumer credit in the proportion reached 11.6%, second only to a housing loan, the second largest bit. Automobile consumption credit balance of the total consumer credit outstanding rose from 2O0O years up to 2001 to 1.4% - 47%. China Construction Bank,abercrombie and fitch uk, Guangdong Branch l0 months since 1998 started to offer auto loan business,abercrombie italia, as 2O0O end, the bank auto loan payment of more than 280 million yuan total, year-end loan balance of $ 150 million end of June 2001, loans up to $ 200 million six months increased by 0.5 billion yuan, up 33.3%. This shows that with accession to WTO, automobile substantial price cuts, auto consumption will start to become a new hot consumer,ed hardy clothing, commercial banks actively introduced varieties of auto loans, is conducive to their business development, and it helps stimulate economic growth. Fifth, the uneven development of the commercial bank consumer credit business in the Guangdong province of the operation and management of regional development is very uneven, but also to China Construction Bank, Guangdong Branch, for example. China Construction Bank's consumer credit business in the Pearl River Delta region in good shape, Delta, the slow development of the outlying areas of business, the larger the gap, while the remaining volume of business in backward areas is almost negligible, indicating the development of consumer credit and economic development and income is closely related to the level of the Department of the economy develops, the more developed consumer credit, Shenzhen City, the highest level of per capita income, the amount of credit card holders also ranks highest in the country, in 2001, the city has reached 3 per card,ed hardy uk, and hold more than 50% of those cards have overdraft. The end of 2001, Bank of China Shenzhen branch of the municipal government issued a number of civil servants overdraft amount of $ 50,000 Gold and the RMB's no guarantee. This shows that in economically developed areas, the consumer credit market is very broad, the key is changing the concept of commercial banks, make great efforts to open up. Sixth, size is still big with the rapid development of consumer credit in the Guangzhou area, for example, to the end of December 2001,abercrombie jeans, the balance of various types of consumer credit, financial structure is only 43.2 billion yuan (including a housing credit), loans accounted for in the compared with only 10% of the state-owned commercial banks, which - compared to 13%,abercrombie brasil, other commercial banks was only 3.4%. To the end of September 2001, wide outside the Bank of 16%. Agricultural Bank of China is 13%, 2% cross-bank, CITIC Industrial Bank 4.2% 1.6% China Everbright Bank, Huaxia Bank 0.7%, 4.3% of Guangdong Development Bank, Shenzhen Development Bank 6.7% 4.9% China Merchants Bank, Minsheng Bank 7.2%, 1% of Pudong Development Bank, Fujian Industrial Bank 0.3%, Guangzhou City Commercial Bank and rural credit cooperatives to carry out almost no this business. In 2001, consumer credit accounted for Guangzhou, a total of consumer goods throughout the year (both excluding housing loans) accounts for only 1.7%. This is a foreign commercial bank consumer credit business a proportion of 1 / 3, and consumer credit, consumer spending accounted for a total of 1 / 3 (U.S.) compared to seem rather backward. This shows that consumer credit in China has a huge space for development and prospects, financial services and economic growth is an effective tension. In summary, consumer credit in the Guangdong region has a good start, it became the highlight of the financial industry for the expansion of domestic demand and stimulate economic growth and expand financial services to optimize the structure of bank assets play an important role, but Today, the development of consumer credit on the whole still appears to be quite backward and development is very big, commercial banks should unswervingly to the development of consumer credit as a new growth point for planning and implementation. (Author: Guangdong Business College Guangdong Branch of China Construction Bank) Editor Tie-Qiang Zhang

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