温州银监局最新统计显示，去年12月底，温州银行业不良贷款率为3.75%，环比上升0.32个百分点。这是自去年11月底，温州不良率17个月增幅首次下降后，又一次出现反弹。

Wenzhou silver inspect bureau the latest statistics show,At the end of December last year,Wenzhou banking bad loans is 3.75%,Link up 0.32%.This is the end of November last year,Wenzhou fraction defective 17 months after the first drop in growth,Another rebounded.

　　自2011年下半年温州发生民间借贷危机，中小企业资金链断裂后，该市银行业不良贷款率持续攀升，且一直是全国不良贷款的重要来源，在全国具有“先行”指示效应。

Since the second half of 2011 wenzhou folk lending crisis happened,Small and medium-sized enterprise capital chain after fracture,The city's banking bad loans continue to rise,And has been an important source of the bad loans,In the whole nation to have the"first"Indicating effect.

　　同时，多家温州资产管理公司已与当地银行签约，收购这些不良资产，开创了国内“民资处置银行不良资产”先例，但由于涉及款额有限，此类举措对剥离温州不良贷款仍只是杯水车薪。

At the same time,Several wenzhou asset management company has signed a contract with a local bank,Purchase these bad assets,Opened the domestic"What was the disposal of non-performing assets of Banks"precedent,But due to the limited amount involved,Such measures to peel wenzhou non-performing loans is still only scratch the surface.

　　不良率飙至3.75% Floor defect rate to 3.75%

　　据温州银监局统计，去年12月末，温州银行业不良贷款额262.84亿元，比上月新增23.05亿元，比年初新增175.89亿元。

According to wenzhou silver inspect bureau statistics,At the end of December last year,Wenzhou banking bad loan specified amount is 26.284 billion yuan,More than 2.305 billion new yuan last month,Early than the 17.589 billion yuan.

　　值得关注的是，在新增不良贷款中，建行温州分行占据18.95亿元，对当地银行不良贷款的“增长贡献率”高达82%。同时，致使该行不良率上升至7.34%，环比上升2.32个百分点。建行年报显示，去年前三季度全行新增不良贷款为20.3亿元。

There is concern,In the new bad loans,The construction bank wenzhou branch occupy 1.895 billion yuan,On the local Banks non-performing loans"Growth contribution"As high as 82%.At the same time,Cause the defect rate increased from 7.34% to,Link up 2.32%.Construction bank annual report shows that,The third quarter last year son of new bad loans for 2.03 billion yuan.

　　不出意外，温州已成为建行不良贷款增量的主要来源地。

No accident,Wenzhou has become the construction bank non-performing loan increment main source.

　　建行温州分行风险管理部门人士以该行不良贷款认定标准比较严格来解释不良贷款激增的原因。他认为，企业还本付息能力差，出现违约的压力会越来越大。

Wenzhou branch of China construction bank risk management department professionals to the bank non-performing loans that standard is strict to explain the cause of the surge in bad loans.He thinks,Enterprise servicing ability is poor,Defaults pressure will be more and more big.

　　一位温州服装企业负责人向《第一财经日报》记者说，之前他们4家互保企业向某银行贷款1200万元，在银行抽资压力下尽力还掉了约1150多万元。事先该银行允许他们过完春节后补缴剩余50余万元，然而不出几日该银行向法院提起诉讼，这令他们措手不及。

A wenzhou clothing to the responsible person of the enterprise[The first financial daily]reporters,Before they four mutual insurance enterprise to a bank loans of 12 million yuan,In the bank information extraction under pressure to go as soon as possible about more than 1150 yuan.Prior to allow them to the bank after the Spring Festival after the payment of residual fifty more than ten thousand yuan,But no more than a few days the bank to court,This makes them unprepared.

　　尽管之前温州不良率出现“增幅收窄”现象，但中小企业基本面逐渐企稳的信号仍存在较大不确定性。

Although in wenzhou defect rate before"Growth narrow"phenomenon,But the small and medium-sized enterprises gradually fundamentals of stabilising signal is still there is a big uncertainty.

　　在贷款质量五级分类中，次级、可疑和损失三类贷款合称为不良贷款。去年12月底，广发银行温州分行不良贷款率为10.10%，创下近年来温州各银行不良率新高。

In the five-category assets classification,secondary/Suspicious and loss of three kinds of loan known collectively as bad loans.At the end of December last year,Guangdong development bank wenzhou branch bad loans is 10.10%,In recent years in wenzhou Banks defect rate high.

　　一位浙商证券分析人士说，温州贷款以流动性贷款为主，每季度末月的20日是流动性贷款的付息日，不良率增幅的季节性特征十分明显。去年12月底，该市不良率环比上升高达32个基点，均高于去年6月、9月的26、27个基点。

A zheshang securities analysts said,Wenzhou loans to liquidity loan is given priority to,At the end of each quarter on twenty day is FuXiRi liquidity loans,Defect rate increase seasonal characteristics obviously.At the end of December last year,The city fraction defective link up as much as 32 basis points,Are higher than the last June/September 26/27 basis points.

　　民资“破冰”接盘 what"ice"flange

　　在不良贷款大幅上升背景下，民间资本“侥幸”接盘银行不良资产，已成为温州剥离银行不良贷款的最见效渠道。

In bad loans under the background of rising sharply,Folk capital"a"Flange Banks non-performing assets,Has become wenzhou stripping bank non-performing loans of the most effective channels.

　　目前，已有瑞安华峰民间资本管理股份有限公司与工行温州分行达成2.7亿元的银行不良资产转让协议；海螺民间资本管理股份有限公司打包收购工行温州分行的1亿元，其中一套不良资产抵押物将于近期进入拍卖程序。

At present,For Ryan huafeng folk capital management co., LTD. And icbc wenzhou branch reached 270 million yuan of bad bank assets transfer agreement;Conch folk capital management co., LTD., wenzhou branch of icbc talks over 100 million yuan,One set of bad assets of the mortgaged property in the near future will enter the auction procedures.

　　另外，还有多家温州民间资本管理公司正陆续与银行协商，尝试参与银行不良资产处置。

In addition,There are several wenzhou folk capital management companies are being and bank consultation,Try to participate in bank non-performing assets disposal.

　　华峰民间资本管理股份有限公司董事长翁奕峰昨日对本报说，这些转让的不良资产采用本息全额收购方式，主要是有住宅和厂房抵押的资产，风险相对降低。目前已有部分贷款回收获利，剩下的不良资产如果处置时间不长，能在一两年内消耗完成。

Huafeng folk capital management co., LTD., chairman of the board of directors WengYiFeng yesterday to the financial times said,The transfer of the bad assets using principal and interest full takeover,The main is a residential and building mortgage assets,Lower risk.There are some loan recovery profit,The rest of the bad assets disposal if time is not long,In a year or two complete consumption.

　　翁奕峰说，这些不良资产在银行不良贷款中属于“最好的资产”，转让给民资管理公司是“没办法的办法，用时间来换取空间”，毕竟“通过法律渠道，担心时间一长，收益很低”。

WengYiFeng said,These bad assets in Banks non-performing loan belongs to"The best assets",What is transferred to the management company"You have no choice,With time for space",After all"Through legal channels,Worry about the time a long,Income is very low".

　　不过他认为，民资接盘银行不良资产有限，这一新举措对温州银行剥离不良资产，起不到根本性的改变作用。

But he thinks,What was the flange Banks non-performing assets limited,The new measures of wenzhou bank strip bad assets,Not a fundamental change effect.

　　据当地媒体报道，去年11月初，温州市金融办牵头召开了银行不良贷款处置现场专题会。与会人员有工、农、中、建、交、平安、华夏等7家银行负责人和6家已开业或正在筹建中的民间资本管理公司负责人，意在推广民资管理公司接盘银行不良资产的做法。

According to local media reports,In early November,Wenzhou financial do lead held the bank non-performing loans ZhuanTiHui disposal site.The participants have work/agriculture/in/built/into/peace/7 the Chinese Banks and six has been or is in the folk capital management company controller,What was the management company to promote the practice of flange Banks non-performing assets.

　　“上级行的态度，决定我们推广的力度。”一位工行温州分行人士说。

"Superior attitude did,Determine our promotion efforts."A branch of icbc wenzhou people said.

　　据了解，1999年以来，银行不良资产的处置，主要由国有资产管理公司主导，民间资本很少直接参与处置，大部分是从国有资产管理公司或中介机构间接买入分包业务。

It is understood,Since 1999,Bank of bad assets disposal,Mainly by the state-owned assets management company leading,The folk capital seldom participate directly in the disposal,Most of the state-owned assets management from company or agent indirect buy subcontract business.