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信贷投放“贷大、贷垄断”现象正在突出放大风险隐患在“保增长”和适度宽松的货币政策双重推动下,我国银行业一季度新增贷款呈现过度集中走势,值得业界高度关注。新增贷款过度集中的走势体现在四方面:其一,投放时间、投放量过度集中。今年的信贷增长集中在一季度,1月份是创纪录的1.62万亿元、2月继续突破万亿达1.07万亿元,3月份数字虽然未出笼,但我判断只是略有回落。如此,一季度的贷款新增将是史无前例。其二,贷款投向过度集中在大客户。据数据显示,目前全国19家主要银行中,5000万元以上的大客户贷款占贷款总额
Loan, credit monopoly “phenomenon is being highlighted risk hidden Under the” promotion of growth "and moderately loose monetary policy under the dual promotion of China’s banking sector in the first quarter of new loans showed an over-concentration trend, it is worth the height of the industry attention. The trend of over-concentration of new loans is reflected in four aspects: First, the delivery time and the excessive volume of investment. This year’s credit growth was concentrated in the first quarter, a record 1.62 trillion yuan in January. It continued to exceed 1.07 trillion yuan in February. Though the figures for March were not released, my judgment is only slightly lower. So, a quarter of new loans will be unprecedented. Second, over-concentration of loans to big clients. According to statistics, among the 19 major banks in the country, large customer loans of over 50 million yuan account for the total loans