Yangzijiang Shipbuilding (Holdings)

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(16-02-2014, 08:12 PM)freedom Wrote: Why would people keep closing eyes about realities? The SMEs are getting their fair share of credit from state owned banks. The quote is from the recent half-year report from ICBC page 39.

Out of total corporate lending, 48.5% went to domestic SMEs. At the end of FY2012, it was 51.1. If that's not lending to SMEs, I am not sure what is.

I asked the same question to myself before. Here was the answer found.

First of all, since the "lending to SME" was directed from regulator to all banks few years ago, the "lending" has been increased by leap and bounds by the big four banks. That lead me to doubt the numbers, the same as I doubt the NPLs numbers.

Well, we need numbers to proceed with our discussion. So let's take the numbers from the big four banks as it is (without any adjustment).

We need to take the total number from the four banks, instead of ONLY ICBC. The numbers (base on FY2012) were

Total SME loan (Four Banks) = 6400 Bil RMB
Total Loan (Four Banks) = 25230 Bil RMB
% of SME Loan = 25%

Is the 25% mean SME get sufficient credit support? By definition of regulator in China, SME means companies with assets of less than 10 million yuan or annual sales of less than 30 million yuan. It means SMEs accounted to 70 percent of China's output.

The 25% credit for 75% of output, and moreover the 25% might need some discount. That leaded me to keep my view intact, and continue to live on my realities Big Grin

Feel free to comment if any mistake on numbers.
“夏则资皮,冬则资纱,旱则资船,水则资车” - 范蠡
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Messages In This Thread
Yangzijiang Shipbuilding (Holdings) - by Nick - 13-01-2011, 06:07 PM
Debt levels? - by BlueKelah - 21-05-2013, 10:38 PM
RE: Yangzijiang Shipbuilding (Holdings) - by CityFarmer - 16-02-2014, 09:56 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 19-03-2014, 08:46 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 12-04-2014, 06:43 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 13-04-2014, 12:50 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 12-04-2014, 06:48 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 12-04-2014, 06:54 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 13-04-2014, 12:17 PM
RE: Yangzijiang Shipbuilding (Holdings) - by yogi - 13-04-2014, 12:26 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 29-05-2014, 11:58 AM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 30-05-2014, 03:34 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 30-05-2014, 03:38 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 30-05-2014, 03:57 PM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 30-05-2014, 04:14 PM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 30-05-2014, 04:29 PM
RE: Yangzijiang Shipbuilding (Holdings) - by NTL - 30-05-2014, 04:32 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 30-05-2014, 04:45 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 30-05-2014, 04:49 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 30-05-2014, 04:52 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 30-05-2014, 04:58 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 30-05-2014, 05:12 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 30-05-2014, 11:44 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 31-05-2014, 12:09 AM
RE: Yangzijiang Shipbuilding (Holdings) - by Nick - 31-05-2014, 02:39 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 31-05-2014, 08:52 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 31-05-2014, 10:53 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 01-06-2014, 12:12 AM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 01-06-2014, 11:46 AM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 01-06-2014, 11:13 PM
RE: Yangzijiang Shipbuilding (Holdings) - by kbl - 01-06-2014, 01:34 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 01-06-2014, 01:43 PM
RE: Yangzijiang Shipbuilding (Holdings) - by kbl - 01-06-2014, 01:56 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 01-06-2014, 02:09 PM
RE: Yangzijiang Shipbuilding (Holdings) - by kbl - 01-06-2014, 02:23 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Nick - 01-06-2014, 02:15 PM
RE: Yangzijiang Shipbuilding (Holdings) - by HoHo - 01-06-2014, 02:16 PM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 01-06-2014, 07:36 PM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 02-06-2014, 08:48 AM
RE: Yangzijiang Shipbuilding (Holdings) - by sykn - 02-06-2014, 08:18 AM
RE: Yangzijiang Shipbuilding (Holdings) - by DP28 - 02-06-2014, 08:38 AM
RE: Yangzijiang Shipbuilding (Holdings) - by sykn - 02-06-2014, 08:48 AM
RE: Yangzijiang Shipbuilding (Holdings) - by CY09 - 11-06-2014, 10:50 AM
RE: Yangzijiang Shipbuilding (Holdings) - by kyle - 04-09-2014, 07:23 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Boon - 19-12-2015, 12:03 PM
RE: Yangzijiang Shipbuilding (Holdings) - by CY09 - 11-08-2016, 11:15 AM
RE: Yangzijiang Shipbuilding (Holdings) - by opmi - 23-08-2016, 11:28 PM
RE: Yangzijiang Shipbuilding (Holdings) - by opmi - 23-08-2016, 11:49 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 24-08-2016, 10:06 AM
RE: Yangzijiang Shipbuilding (Holdings) - by chew - 24-08-2016, 03:06 PM
RE: Yangzijiang Shipbuilding (Holdings) - by CY09 - 11-09-2016, 10:09 AM
RE: Yangzijiang Shipbuilding (Holdings) - by YMPL - 24-03-2017, 08:41 PM
RE: Yangzijiang Shipbuilding (Holdings) - by YMPL - 03-04-2017, 10:11 AM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 31-08-2017, 08:51 PM
RE: Yangzijiang Shipbuilding (Holdings) - by YMPL - 05-09-2017, 11:01 AM
RE: Yangzijiang Shipbuilding (Holdings) - by CY09 - 08-08-2019, 10:07 PM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 20-04-2021, 08:04 AM
RE: Yangzijiang Shipbuilding (Holdings) - by Bibi - 03-05-2021, 05:47 PM
RE: Yangzijiang Shipbuilding (Holdings) - by CY09 - 26-03-2025, 10:18 AM
[split] Shipping news - by Greenrookie - 24-09-2013, 11:14 AM
RE: Yangzijiang Financial Holding - by weijian - 23-08-2024, 10:13 AM

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