【好贷发布】中国信贷行业现状及发展趋势月报·2017年3月刊.docVIP

【好贷发布】中国信贷行业现状及发展趋势月报·2017年3月刊 1 本期导读 继2月新增人民币贷款较1月几乎腰斩之后，3月信贷数据受到广泛关注。多位业内专家预测，3月新增人民币贷款在10000-17000亿元区间内。明显感受到市场内调整信贷结构、降低贷款增速的味道。 随后，央行公布3月金融统计数据报告，一季度人民币贷款增加4.22万亿元，同比少增3856亿。其中，3月新增1.02万亿元，符合市场低值预期。而这些数据背后，和国内银行业收紧监管有着必然的因果联系，接下来又会对信贷市场带来哪些影响呢？ 目录 一、处罚+新政成3月主旋律 ················································································· 3 二、一季度监管处罚力度一波更比一波强 ································································ 3 三、政策发文给银行业机构加“紧箍咒” ································································ 4 1.10类风险需谨慎防范 ·························································································· 5 2.三项金融套利要求资金用到实处 ········································································· 6 3.不得不提的房贷连阴雨························································································ 7 四、银行业新生力量开始有所作为 ·········································································· 9 1.投贷联动还需科技创新························································································ 9 2.民营银行初登场 ·································································································· 9 五、好贷观点 ······································································································· 11 六、简介 ·············································································································· 12 2 一、处罚+新政成3月主旋律 进入3月以来，曾就任过证监会主席、山东省省长的郭树清，接替已到退休年龄的尚福林，正式出任银监会主席一职。 统计数据显示，从2011年10月起，在郭树清就任证监会主席的506天时间里，他共推出70项新政，平均每7天就推出一项新举措。 参照这样的新政推行节奏，银监会在今年或将新政不断，从3月2日国新办新闻发布会上郭树清的“首秀”就可见一斑。会上，郭树清强调，银行业是经营风险的行业，银监会是监管经营风险的部门，必须增强同风险赛跑的意识，并且要跑在风险的前面，还提出坚决惩处内外勾结、监守自盗、利益输送、“吃拿卡要”等违规违法违纪行为。 就此，市场纷纷预测，2017年将是银监会“强监管、强问责”的一年。随后，银行加强监管和推出新政有序进行。 二、一季度监管处罚力度一波更比一波强 进入2017年，监管处罚工作取得有效推进。一季度，银监会系统做出行政处罚485件，罚没金额合计1.9亿元；处罚责任人员197名，其中，取消19人的高管任职资格，禁止11人从事银行业工作。 例如，2017年3月29日，银监会机关针对票据违规操作、掩盖不良、规避监管、乱收费用、滥用通道、违背国家宏观调控政策等市场乱象，作出了25件行政处罚决定，罚款金额合计4290万元。 3 此