银行借道同业代付绕过 Bank tailgating trade pay for another round

　　贷款规模漏洞被堵 The size of the loan by plugging loopholes

　　银监会已于8月20日正式发布《关于规范同业代付业务管理通知》，即日起各银行必须按照规定开展此项业务。据了解，随着办法落地，同业代付的委托行与代付行都需将同业代付资金计入表内核算，同业代付规模也可能因此大幅下降。这意味着，银行借道同业代付绕过贷款规模的“潜规则”不再行得通。

Banking regulatory commission has on August 20, officially released[On regulating trade pay for another business management notice],From now on every bank must, in accordance with regulations to carry out the business.It is understood,To be born with,Trade paid by line and pay for another lines should be included in the list funds paid trade in accounting,Trade pay for another scale may therefore plunged.This means that,Bank tailgating trade pay for another round of the size of the loan"Latent rules"No longer work.

　　微评：继去年银行利用违规票据业务隐藏信贷规模被监管叫停后，今年利用同业代付绕过贷款规模监管又被识破，为了绕开存贷比的监管限制，银行也许还会在其他业务上再打算盘。

Micro evaluation:Last year the bank to use illegal bill business hidden credit scale is supervision after stop,This use of trade pay for another round the size of the loan supervision was found,In order to steer clear of the supervision of the deposit-loan ratio limit,The bank may also be in other business shrewd again.

　遭外资阻击 Stopped by foreign capital

　　民生银行(600016,股吧)股价坐过山车 Minsheng bank(600016,guba)Share price on a roller coaster

　　上周前三天，受到国际资本做空的影响，内地和香港上市银行股股价普遍下跌，其中民生银行跌幅最大，上周前三天该行股价跌幅分别为3.18%、1.73%和3.70%，后两天却强劲反弹，上涨幅度分别为3.84%和2.64%，惹来市场对于银行股的强烈关注。

On three days weeks ago,By international capital's influence,Mainland China and Hong Kong listed bank shares generally fell,The biggest decline of bank of the people's livelihood,The weeks ago three days the bank shares fell 3.18%, respectively/1.73% and 3.70%,But two days after a strong rebound,Have risen by 3.84% and 2.64% respectively,Make to market for bank shares strong concern.

　　微评：有分析认为，中资银行股价大幅波动的背后是市场各方对于银行股价低估与否的强烈分歧。部分外资坚定看空做空，而包括史玉柱在内的多头则选择增持力挺。分歧的出现，很大程度上是因为中国银行(601988,股吧)业信息的不透明，使得境外投资者过度担忧银行的资产质量和盈利前景。

Micro evaluation:Have analyzed that,Domestic Banks share price fluctuations is behind the parties to the market bank share prices or underestimate the strong differences.Part of the foreign firm look empty do empty,And including shi yuzhu, the bull has chosen increasing force quite.Differences appear,That is largely because the bank of China(601988,guba)Industry information opaque,Overseas investors worry that excessive bank assets quality and the earnings outlook.

　浙江银监局优先配置 Zhejiang silver inspect bureau preferred configuration

　　小微企业金融资源 Small micro enterprise financial resources

　　浙江银监局日前出台政策，对设立专业从事小微企业金融服务的专营支行试行批量化筹建、开业，并积极支持地方法人银行机构发行小企业专项金融债，推动小微企业金融资源的优先配置。

Zhejiang silver inspect bureau has issued policy,To set up the specialty is engaged in the small micro enterprise financial services specializing in subbranch of a bank for trial implementation PiLiangHua preparation/opening,And actively support local small business legal person bank institutions issued special financial bond,Promote small micro enterprise financial resources allocation of priority.

　　微评：浙江民营小微企业众多，因此成为试验支持小微金融发展政策的绝佳区域。监管的推动固然能产生事半功倍的效果，但银行也要根据自身情况和经济环境，循序渐进地开展小微业务，不能罔顾风险大干快上，为资产质量埋下又一枚定时炸弹。

Micro evaluation:Zhejiang private small micro enterprise many,Therefore become test support small micro financial development policy perfect area.Supervision promote is can produce twice the result with half the effort,But the bank is according to oneself circumstance and economic environment,Step by step to carry out the small micro business,Can't be risk gets quick,For the asset quality and buried a time bomb.

部分城市 Parts of the city

　　启动芯片卡更换工作 Start chip card change work

　　自从央行宣布明年1月1日起各银行必须在大部分地区发行芯片卡（IC卡）后，近期有国有银行和股份制银行启动了将磁条借记卡更换为芯片卡的工作进程，某些银行还宣布免收换卡工本费。

Since the central bank announced that January 1 Banks must in most local release chip card(IC card)after,There has been a recent state-owned Banks and joint-stock bank launched will magnetic stripe debit card replacement for chip card work process,Some Banks also announced in card will be exempted from the cost of production.

　　微评：众所周知，芯片卡的安全性高于磁条卡，但成本也高于磁条卡，商业银行为了这一行业标准，又要砸下一大笔钱；至于换卡是否免费，要看该银行对芯片卡成本的承受能力，相比大型银行，小型银行可能更倾向于收取工本费。（蔡恺）

Micro evaluation:As is known to all,Chip card security than magnetic stripe card,But cost is higher than magnetic stripe card,Commercial Banks in order to the industry standard,And to hit a large sum of money;As for in card is free,To see the bank to chip card cost capacity,Compared with big Banks,Small Banks may tend to collect cost of production.(CaiKai)