In the first half of the year, mining industry loans increased by only 1.63%, and banks were still c-tokyo hot n0476

The first half of the mining industry loans increased only 1.63% of bank lending funds still cautious Sina exposure: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? I have a complaint [click], Sina help you exposure to them! (original title: the mining industry loans increased only 1.63% banks are still cautious) "with the economic downward pressure," two high and one left "enterprises will become more and more huge demand for funds. Originally, these enterprises have some "fat", a couple of years now endure more and more thin, more and more dependent on the blood bank." Recently, a policy bank told reporters Chinese "business". But as the country’s capacity to increase, the bank industry overcapacity credit more cautious. Bank insiders said that the coal in the "two high and one left" industry, in principle, commercial banks should control the total amount of the loans decreased year by year. Earnings data show that the first half of this year, 18 listed banks in the mining sector loans amounted to 1 trillion and 673 billion 55 million yuan, an increase of only 1.63%. While the mining industry loans to invest in coal industry loans accounted for about 70%, showing banks cautious support for the coal industry. Shanxi sample: the implementation of differences in credit supply side as one of the important tasks of structural reform, the coal industry to resolve overcapacity, a turnaround to promote the development of the process of concern. In August this year, Shanxi seven provincial coal enterprises has released the first half of 2016 the major financial information disclosure. Data show that seven provincial coal enterprises with total assets of 1 trillion and 462 billion 867 million yuan, 1 trillion and 198 billion 679 million yuan debt, debt rate as high as 81.94%. The seven provincial coal enterprises refers to the Shanxi Jincheng Anthracite Mining Group Company Limited (hereinafter referred to as "Jincheng"), Shanxi Energy Group Company Limited (hereinafter referred to as the "Shanxi energy group"), Shanxi Luan Mining (Group) Co., Ltd. (hereinafter referred to as the "Lu’an Group"), Shanxi coal import and Export Group Co. Ltd. (hereinafter referred to as the "Coal Hill"), Shanxi coking coal group Limited Liability Company (hereinafter referred to as the "Shanxi coking coal"), Datong Coal Group Co (hereinafter referred to as the "coal group") and Shanxi Yangquan coal industry (Group) Co., Ltd. (hereinafter referred to as the "Yangquan Coal Group"). The first half of 2016, after deducting non recurring gains and losses, seven provincial coal enterprises without a profit. Among them, Shanxi coal group loss of 207 million yuan; Shanxi energy group loss of 138 million yuan; Lu’an Group loss of 66 million yuan; mountain coal group loss of 49 million yuan; Shanxi coking coal group loss of 204 million yuan; 293 million yuan loss; Yangquan loss of 156 million yuan. Seven companies a total loss of 1 billion 113 million yuan. With the loss of associated enterprises, high debt. The minimum amount of seven mountain coal group companies, the total assets of 79 billion 942 million yuan, 67 billion 733 million yuan debt, debt rate is 84.73%; the largest body of Shanxi coking coal, the total assets of 266 billion 496 million yuan, 210 billion 708 million yuan debt, the debt rate of 7

上半年采矿业贷款仅增1.63% 银行依旧谨慎放贷 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   (原标题:采矿业贷款仅增1.63% 银行依旧谨慎)   “随着经济下行压力增大,‘两高一剩’产业企业对于资金的需求将越来越庞大。原本这些企业还有些‘脂肪’,现在熬上个把年头越来越瘦,越来越依赖于银行输血了。”近日,某政策性银行人士告诉《中国经营报》记者。   但是随着国家去产能力度加大,银行对产能过剩行业的信贷投放更为谨慎。银行业内人士表示,对于煤炭这一类的“两高一剩”产业,从原则上来说,商业银行要控制总量,逐年降低对其贷款发放。   财报数据显示,今年上半年18家上市银行的采矿业贷款余额为16730.55亿元,同比增长仅1.63%。而采矿业贷款中投向煤炭行业的贷款占比在七成左右,显示出银行业对煤炭行业的谨慎支持。   山西样本:实施差别信贷   作为供给侧结构性改革的重要任务之一,煤炭行业化解过剩产能、实现脱困发展的推进进程备受关注。   今年8月,山西七大省属煤企先后发布了2016年上半年重大财务信息公开。数据显示,七大省属煤企资产总额为14628.67亿元人民币,负债11986.79亿元,负债率高达81.94%。   七大省属煤企是指山西晋城无烟煤矿业集团有限公司(以下简称“晋煤集团”)、山西晋能集团有限公司(以下简称“晋能集团”)、山西潞安矿业(集团)有限公司(以下简称“潞安集团”)、山西煤炭进出口集团有限公司(以下简称“山煤集团”)、山西焦煤集团责任有限公司(以下简称“山西焦煤”)、大同煤矿集团有限责任公司(以下简称“同煤集团”)和山西阳泉煤业(集团)有限责任公司(以下简称“阳煤集团”)。   2016年上半年,扣除非经常性损益后,七大省属煤企无一盈利。其中,晋煤集团亏损2.07亿元;晋能集团亏损1.38亿元;潞安集团亏损6600万元;山煤集团亏损4900万元;山西焦煤亏损2.04亿元;同煤集团亏损2.93亿元;阳煤集团亏损1.56亿元。七家企业总计亏损11.13亿元。   与亏损相伴的,是企业的高负债。七家企业中体量最小的山煤集团,其资产总额为799.42亿元,负债677.33亿元,负债率为84.73%;体量最大的山西焦煤,其资产总额为2664.96亿元,负债2107.08亿元,负债率为79.07%。负债率最高的是阳煤集团,为85.01%;最低的是晋能集团,为77.48%。七家省属煤企总计负债11986.79亿元,这一数据与2015年山西全省经济总量12802.58亿元接近。   负债高企已经成为阻碍煤企融资的主因之一。光大证券相关研究报告认为,煤炭行业产能过剩的情况短期内难以出现明显的改善,行业整体的亏损情况也难以显著逆转。自2010年以来,受煤炭产品价格下跌的影响,煤炭企业的销售毛利率呈下滑态势,山西省属七大煤炭集团的净利率持续为负,盈利能力仍处于较弱水平。同时,七大煤炭集团的经营性净现金流不足以覆盖投资性净现金流,主要依靠筹资性净现金流来支撑后续的发展,对外部融资存在较强的依赖性。   该研报还指出,由于煤炭行业盈利能力持续恶化,省属煤企的偿债压力整体上升,针对产能过剩行业的信贷环境有所收紧,煤炭企业的融资难度已明显增加。2016年上半年受违约事件频发的冲击,采掘类行业已有超过150亿元的债务推迟或取消发行。   9月下旬山西银监局局长张安顺在银监会银行业例行发布会上提出,银行业要落实差别化信贷政策,稳定信贷预期,支持贷款重组,保全银行债权。特别是要重点扶持山西省属“七大煤炭企业”、扶持优质煤企中的先进产能,具体表现为不抽贷、不压贷,不断贷,支持其合理信贷需求,支持企业转型升级走出困境。   据山西银监局副局长王志刚介绍,对于煤炭产业来讲,“扶”的是煤炭行业中的先进产能和优势企业,“控”是控煤炭行业中的落后产能和劣势企业。   银行:审慎放贷   与山西七大省属煤企对资金的强烈需求形成对照,2016年上半年,全部18家上市银行法人贷款中的采矿业贷款余额为16730.55亿元,较年初新增贷款268.95亿元,同比增长仅1.63%,显示出银行业对采矿业谨慎观望的态度。   “煤炭行业贷款占采矿业贷款比重在70%~80%左右,有的银行甚至更高,超过80%。”某股份制银行公司部门人士称。   记者统计显示,存量方面,工农中建交五大国有行占据了采矿业贷款余额的大头。其中,工商银行为2397.69亿元,农业银行为2393.77亿元,中国银行为4093.59亿元,建设银行为2239.8亿元,交通银行为1064.48亿元,五大行采矿业贷款余额总计12189.33亿元,占到全部上市银行采矿业贷款余额的72.86%。   股份制商业银行中,民生银行是唯一一家采矿业贷款余额超过千亿元的银行,达到了1202.18亿元。兴业银行、平安银行和浦发银行位居其后,分别为722.17亿元、656.44亿元、655.84亿元。   城商行体量较小,采矿业贷款余额最多的是北京银行,为187.07亿元,贵阳银行、江苏银行、南京银行与宁波银行均在12亿元以下,无锡银行未见采矿业贷款。   增量方面,投放采矿业贷款的17家上市银行中,有8家出现了规模增量,2家微增,7家贷款余额减少。新增贷款最多的是中国银行,为377.78亿元,贷款余额减少最多的是农业银行,减少了105.61亿元。   值得注意的是,从比例上来说,采矿业贷款余额下降幅度最大的是宁波银行、招商银行与光大银行。2016年上半年,宁波银行采矿业贷款减少了7.68亿元,贷款余额仅剩1.33亿元,其占全部法人贷款的比例从0.35%下降到了0.5%。光大银行采矿业贷款减少44.57亿元,余额269.59亿元;占比下降了0.82个百分点。招商银行采矿业贷款减少了93.05亿元,余额490.03亿元,占比下降了0.44个百分点。   贷款的减少与不良贷款比例有一定联系。除未公布行业贷款不良率的宁波银行,招商银行与光大银行采矿业不良贷款率分别高达14.30%与5.26%。同时,建设银行、农业银行、工商银行的不良率为5.45%、4.23%、2.23%,这三家也对采矿业贷款进行了压缩。中国银行采矿业贷款不良率仅为1.1%,远低于上市银行平均水平,南京银行采矿业不良贷款率最高,为18.77%。   “不能定义某个行业中全部的企业都属于‘两高一剩’,钢铁矿产等行业中也可能有结构性的机遇。即使是在经济上行期,银行也在主动退出‘两高一剩’行业,因为这类行业的风险是显而易见的,很有可能遭遇处罚、停工或滞销。目前经济下行,银行会控制对这些行业的投资和授信。”某股份制商业银行人士表示。 进入【新浪财经股吧】讨论相关的主题文章: