Recently, the China Banking Regulatory Commission issued the Notice on Supporting Commercial Banks to Further Improve Small Business Financial Services to Commercial Banks (hereinafter referred to as the “Noticeâ€), which for the first time defines the business scope of commercial banks for small business financial services. For commercial banks with a small business loan balance accounting for a certain percentage of corporate loans, under the condition of meeting prudential supervision requirements, priority is given to the issuance of financial bonds specifically for small business loans. In addition, according to the specific conditions of the risk, cost and write-off of small business loans of commercial banks, the differential assessment of non-performing loan ratios of small enterprises is carried out. The industry believes that the new policy will be a "appetizer" in the context of the current credit crunch, which will help boost commercial banks' support for small business loans. Helping Commercial Banks to Alleviate Capital Pressure It is reported that the CBRC stipulates in this Notice that commercial banks that use the internal rating method to calculate the capital adequacy ratio are allowed to treat small business loans of less than 5 million yuan in a single household as retail. Loan processing; for commercial banks that do not use the internal rating method to calculate the capital adequacy ratio, small-enterprise loans of less than 5 million yuan (inclusive) for a single household can be regarded as retail loans under the premise of meeting certain standards, and the risk weights are in accordance with Implementation of the Measures for the Management of Capital Adequacy Ratio of Commercial Banks. “The significance of converting small business loans to retail loans is that the loan approval process can be greatly shortened.†A commercial bank loan center told the Economic Information Daily that this would help commercial banks to issue small businesses. Loans form the advantage of “short, frequent, fastâ€. According to the statistics of the China Banking Regulatory Commission, as of the end of December 2010, the balance of small business loans of China's banking financial institutions was 7.27 trillion yuan, accounting for 24.01% of the total corporate loan balance. According to the "Measures for the Management of Capital Adequacy Ratio of Commercial Banks", the general risk weight of commercial banks in China for ordinary corporate loans is 100%, and the general risk weight of individual housing mortgage loans is 50%. "If the capital adequacy ratio is calculated When small business loans are treated as retail loans, the risk weight of small business loans will be reduced by 50%. The downward adjustment of small business loan risk weight will increase the capital adequacy ratio of listed banks by about 0.9 percentage points in 2011.†Chen Jiangang, an analyst at China National Securities Bank, believes . In calculating the loan-to-deposit ratio, the CBRC stipulates in the Notice that small-enterprise loans of less than 5 million yuan (inclusive) for single-funded households corresponding to financial bonds issued by commercial banks may not be included in the scope of deposit-loan ratio assessment. "In fact, the deposit capacity of small and micro enterprises and private enterprises can not be balanced with loans. It is difficult to convert loans into deposits, and the new assessment standards have caused greater pressure on banks to absorb." Guo Yongjun financial industry analyst Wu Yonggang analyzed "If the small business loans corresponding to the bank's issuance of financial bonds are not included in the deposit-to-deposit ratio, then the bank's absorbing pressure will be greatly reduced." In addition, due to the bank's strong bargaining power for small business loans, small business lending rates The floating rate is higher, and the interest rate rises more obviously in the tight capital environment. As far as commercial banks themselves are concerned, doing small business financial services requires the refinement of bank resource integration. “Doing a small business is not just a loan, but a comprehensive operation.†Hong Qi, the president of Minsheng Bank, once said that if the service to small and micro enterprises is only to look at assets, the deposit-loan ratio is upside down, and it is derived. Deposits are not enough to make up for the loan, and the loan-to-deposit ratio must be supplemented from other debt business. Differentiation assessment is to be fully rolled out It is worth mentioning that the CBRC emphasizes the use of market-based measures to mobilize commercial banks to support the enthusiasm of small business loans. The "Notice" requires that, according to the specific conditions of the risk, cost and write-off of small business loans of commercial banks, the differential assessment of non-performing loan ratios of small enterprises should be carried out to appropriately increase the tolerance of non-performing loans ratio of small enterprises. "Overall, the current development level of small enterprises is still unbalanced, there are advantages and disadvantages, there are traditional industries and emerging industries, and some small enterprises often have problems with financial statements, so the risk of loans for such small enterprises is undoubtedly high." Wu Yonggang believes that "although the regulatory authorities have increased the tolerance for small business non-performing loan ratios, it does not mean that commercial banks can relax the assessment of small business loan qualifications." It is understood that in February this year, the China Banking Regulatory Commission began to brew " The Guidelines for the Differentiation of Financial Services for Small Enterprises, for the diligence and distress of small business financial services, risk tolerance, etc., to develop differentiated regulatory policies to meet the needs of small businesses. At the same time, the new enterprise division standard, led by the Ministry of Industry and Information Technology and involving many ministries and commissions, is expected to be released this year. This time, the China Banking Regulatory Commission also said that it will actively support the expansion of small business financial service outlets, and meet the prudential supervision requirements for commercial banks that have achieved small business loan growth rate of not less than the average growth rate of all loans and good risk control for two consecutive years. Under the conditions, actively support its addition of branches.
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