平安银行 Pingan bank( (000001 000001, ,股吧 guba)温州分行不良率攀升十分明显。2011年下半年尚不足1%，2012年11月已达9.48%的史上新高。 )Wenzhou branch defect rate rise obviously.The second half of 2011 is still less than 1%,In November 2012 has reached 9.48% of the record in history.

　　理财周报记者 宋佳燕/深圳报道

Financial weekly reporter SongJiaYan/shenzhen reports

　　进入2月份，平安银行隐藏在温州地区的风险逐渐揭开面纱。

Into February,Pingan bank in wenzhou region hidden risk of unveiled gradually.

　　据理财周报记者不完全统计，近两个月内，以平安银行温州分支行作为原告的金融纠纷案达40起，平均不到2天开庭一场，密集程度前所未有。

According to the financial weekly reporters incomplete statistics,Nearly two months,In peace bank wenzhou branch as the plaintiff's financial dispute forty up,On average less than 2 days a hearing,An intensive degree.

　　排队在平安银行被告席上的企业多达54家，其中不乏当地龙头企业，涉及房地产、建筑、光伏、印刷、服装等行业。案件背后，平安银行多次受累于民间互保链条的断裂，回款艰难。

Queue in pingan bank on the dock of the enterprise up to 54 home,There is no lack of among them the local leading enterprises,Involved in real estate/building/photovoltaic/printing/Clothing industry, etc.Behind the case,Pingan bank to be many times in folk fidelity chain rupture,Collection difficult.

　　尽管涉案金额尚未公布，平安银行资产质量受到的冲击依然难以避免。实际上，集中发酵的企业风险正推高平安银行不良率。

Although the amount involved have yet to be announced,Pingan bank asset quality is still difficult to avoid the impact of.In fact,Concentration fermentation enterprise risk is pushing GaoPingAn bank defect rate.

　　47起金融纠纷暴露不良压力 47 the financial dispute exposure adverse pressure

　　温州是平安银行资产质量最脆弱的地方。

Wenzhou is pingan bank asset quality the most vulnerable place.

　　2012年中，收购深发展之后交出的第一份财报，便暴露了平安银行在温州地区的漏洞：温州分行不良贷款余额占全行的27.61%。截至去年9月末，这一数据上升为32.24%。

2012 years,After the acquisition of shenzhen development up first earnings,He exposed the pingan bank holes in wenzhou region:Wenzhou branch non-performing loan balance accounts for 27.61% of the son.By the end of September last year,The data increased to 32.24%.

　　与此同时，平安银行不良贷款率从6月末的0.73%升至0.8%。“由于温州地区不良贷款显现，使全行不良贷款率有所上升。”平安银行在三季报里解释。

meanwhile,Pingan bank non-performing loans rate from 0.73% to 0.8% of the end of June."Because of bad loans in wenzhou area appeared,Make both bad loans increased."Pingan bank in three quarterly report in interpretation.

　　最近，平安银行温州分行要为不良率来回奔走于当地法院。在温州中级人民法院（简称温州中院）以及温州鹿城区人们法院（简称鹿城法院）官网中，以平安银行（原深发展）温州分行或支行为原告的开庭公告频频出现。

recently,Pingan bank wenzhou branch for defect rate beat up and down in the local court.The intermediate people's court in wenzhou(Referred to as the "wenzhou then)And in lucheng district of wenzhou people court(Referred to as lucheng court)'s official website of,The bank in peace(Original shenzhen development)Wenzhou branch or branch for the plaintiff's opening announcement appeared again and again.

　　据理财周报记者统计，从今年2月至7月，涉及平安银行的案件中，主要案由为金融借款合同纠纷或信用证纠纷的案件一共有47起，其中40起集中在2月和3月开庭。也就是说，未来两个月内，平均不到2天，就开审一起平安银行的金融纠纷案件。

According to the financial weekly reporter statistics,From February to July,In the case in pingan bank,The main cause of action for financial loan contract dispute or disputes in the cases of l/c a total of 47 up,Among them and the concentrated in February and march session.that,The next two months,On average less than 2 days,Just hold court together pingan bank financial disputes.

　　被告方的“来头”大小，往往预示着涉案金额的重磅程度。上述案件中，被告方包括当地建筑业龙头三箭建设集团、印刷业龙头新华印刷、温州政府重点引入的温州中光科技、大型钢企上海双力集团和东南特钢集团等公司，加上其他中小企业，合计54家公司。

defense"connections"size,Often indicates the amount involved in big degree.The above cases,Defence include local construction leading three arrows construction group/Printing industry leading xinhua printing/Wenzhou key government introduced in wenzhou light technology/Large steel enterprises Shanghai shuangli group and southeast special steel group company,Plus other small and medium-sized enterprise,Total 54 companies.

　　“2011年9月以来，受宏观经济金融形势以及民间借贷危机影响，江浙地区尤其是温州部分中小企业出现资金链断裂和企业主出走现象，导致温州分行资产质量恶化，对本行资产质量造成了较大压力，但由于温州分行贷款总额占全行比重较低，仅为2.80%，且大部分不良贷款有抵质押物，整体风险可控，对本行正常经营的影响较小。”平安银行称。

"Since September 2011,By the macro economic and financial situation and folk lending crisis,The jiangsu and zhejiang provinces area especially wenzhou small and medium enterprises appear capital chain rupture and business owners flee phenomenon,Lead to wenzhou branch asset quality deterioration,On the bank asset quality caused great pressure,But as a result of wenzhou branch of total loans account for a small proportion of the son,Is only 2.80%,And most of the bad loans have to pledge,Overall risk controlled,The normal operation of less influence."Pingan bank said.

　　实际上，平安银行温州分行不良率攀升十分明显。2011年下半年尚不足1%，截至2012年11月，据温州银监局统计，已达9.48%的史上新高。

In fact,Pingan bank wenzhou branch defect rate rise obviously.The second half of 2011 is still less than 1%,By November 2012,According to wenzhou silver inspect bureau statistics,Has reached 9.48% of the record in history.

　　“走到法庭，是银行保全资产的方式之一，这一步暗含着极高的不良风险。”华南某券商一位不愿透露姓名的银行业分析师直言：“尤其是温州地区，大多数中小企业资金链问题还在持续。”

"Go to court,The bank is one of the ways to preserve assets,This step implies the high bad risk."South China some brokers who refused to give his name banking analysts the truth:"Especially in wenzhou area,The majority of small and medium-sized enterprise capital chain continues."

　　被告企业多陷资金绝境，回款艰难 The defendant enterprise more funds in despair,Collection difficult

　　上述案件中，多家被告企业深陷民间金融风波冲击，且银行债务缠身，平安银行催债艰难。

The above cases,Several defendants in folk enterprise financial crisis impact,And bank debt,Pingan bank dunning difficult.

　　被平安银行起诉最多次的是温州市格雅诗服饰有限公司、浙江巨光机械设备有限公司、浙江捷达服饰有限公司三家公司，起诉书多达20份。

Be pingan bank charges of the greatest number is the lattice elegant dress co., LTD/Zhejiang giant light machinery equipment co., LTD/Zhejiang jetta apparel co., LTD. Three companies,A statement of claim as many as twenty.

　　温州格雅诗服饰因资不抵债，所在的土地已于2012年11月被当地县级法院拍卖，起拍价3814.5万元。“当时报名的人少，这块地流拍，现在还在法院手里，下次起拍价得降10%以上。”拍卖行的相关人士告诉理财周报记者。

Wenzhou lattice elegant dress for insolvency,The land has been in November of 2012 by the local court to auction at or above the county level,QiPaiJia 38.145 million yuan."At the time of application are few,The land flow pat,Now is still in court hand,The next time QiPaiJia have to drop more than 10%."The auction house related sources told reporters financial weekly.

　　而捷达服饰是典型的民间借贷样本。其2011年为一家企业担保1500万元，该家企业主“跑路”后，捷达服饰成为各银行的风险监控对象，还贷续贷方面不得动弹。

And jetta clothing is a typical folk lending sample.Its 2011 for a enterprise guarantee 15 million yuan,The home business owners"Run road"after,Jetta dress become the bank's risk monitoring objects,For the loan credit shall not be move.

　　平安银行被告中，陷入民间借贷最严重的，当属“温州第一烂尾楼”开发商泰宇房地产公司。

Peace in the bank,In the folk lending the most serious,When the"Wenzhou first rotten poop"Developers tai yu real estate company.

　　经县政府初步审计，该企业共负债近13亿元。“泰宇花苑”项目未销售房源估价合计约9.2亿元，预计资金缺口约3.8亿元。平安银行只是该企业众多债权人之一。其所涉及的债权人包括信托公司、银行、民间借贷、建筑公司以及购房者。1月11日，民间借贷债权人之一以泰宇房开公司举债过度、资不抵债为由，已向县法院申请对该公司进行重整。目前，该案正在审理中。

The county government initial audit,This enterprise total liabilities of nearly 1.3 billion yuan."Tai yu longyuan"The project is not selling houses appraisal total about 920 million yuan,Is expected to financing gap of about 380 million yuan.Pingan bank is just one of many creditors of the enterprise.It involves the creditor including trust company/The bank/Folk lending/Construction company and the person that buy a house.On January 11,,One of the folk loan creditors to tai yu room open company debt over/Insolvency for,Already to county court for an application to the company for reforming.At present,The case is the docket.

　　平安银行的债务人中，还不乏银行贷款债台高筑者，比如上海双力集团。

Pingan bank of the debtor,Also there is no lack of bank loans is deep in debt,Such as Shanghai shuangli group.

　　据悉，双力集团在温州地区的银行贷款约7亿，上海地区贷款约3亿。不过上述数额尚未得到双力集团证实。目前它的厂房已抵押给上海农商行。

It is reported,Shuangli group in wenzhou district bank loans of about 700 million,Shanghai loans of about 300 million.But the above amount has not been confirmed shuangli group.At present it workshop has been mortgaged to the Shanghai agricultural businesses.

　　除了外部债务缠身，内部问题重重，也是平安银行债务人的特征之一。

In addition to external debt,Internal problems of,Peace is one of the characteristics of the bank.

　　其中钢企东南特钢的重大项目镍铬合金项目，2011年6月投产时，因未经任何环境保护行政主管部门批准擅自投产，被三门环保局立案查处责令停产，而后断断续续生产。2011年11月，当地环保局再次责令其全面停产整改，该企业因故犯而再次被立案查处，勒令停产。

The steel special steel enterprises southeast major project nickel-chromium alloy project,In June 2011 when put into production,Because without any approval of the competent administrative department of environmental protection production without authorization,Be inspected and three environmental protection bureau shall be ordered to suspend production,Then off and on production.In November 2011,The local environmental protection bureau to instruct its comprehensive production rectification,This enterprise could make and was again put on record is investigated,Ordered to suspend.

　　不良率或上升 Fraction defective or rise

　　“由于激烈的市场竞争，当地分行业务拓展方式上显得有些激进，信贷准入条件和利率水平都可能低于同行同类产品。”浙商证券分析师戴方指出。

"Due to the fierce market competition,The local branch business development way appear some radical,Credit access conditions and interest rates may be lower than similar products together."Zhejiang merchants securities analysts pointed out that DaiFang.

　　“在温州不良暴露较多的主要原因是此前在温州大力拓展"经营贷"业务。经营贷是平安银行突破旧有优势业务（按揭业务、贸易融资），在个人经营贷款领域的新的尝试，开办于2008年。平安银行新管理层新近上任，全行新的发展战略还有待披露，但预计上述个人经营贷款方面的发展策略不会大幅调整。”戴方表示。

"In wenzhou more bad exposure is the main reason of the previous vigorously develop in wenzhou"Business credit"business.Business credit is pingan bank break through the old business advantage(Mortgage business/Trade financing),In the individual in the field of business loans trying something new,Set up in 2008.Pingan bank new management office recently,Both the new development strategy has yet to be disclosed,But the above is expected to personal business loans development strategy will not big adjustments."DaiFang said.

　　温州这个曾经创造了经济领域诸多传奇的城市，2012年上半年，GDP总量跌出浙江前三，增速位列全省11市之末。如今，许多企业依然面临停产甚至破产。

Wenzhou this once created many legendary city economy,In the first half of 2012,GDP dropped out of the top three in zhejiang province,In the growth of the city at the end of November.now,Many enterprises still face idling or even bankruptcy.

　　多家券商银行业分析师预计，平安银行四季度不良率上升。

Several brokers banking analysts expected,Pingan bank four quarter defect rate rise.

　　“虽然公司在温州地区的贷款风险暂时未有明显的扩散迹象，但我们预计整体不良仍将伴随温州地区高位的不良而缓慢上升。公司的拨备覆盖率降至209%，拨贷比为1.68%，低于同业平均，伴随不良继续攀升则公司四季度的拨备压力或将有所体现。”瑞银证券银行业分析师孙旭表示。

"Although the company in wenzhou region for loan risk no obvious signs of diffusion,But we expect the overall bad will still in wenzhou area with high bad and slowly rise.The company's provision coverage rate fell to 209%,Dial the credit ratio is 1.68%,Below the average of,With bad continues to rise in the fourth quarter of the company provision pressure or to reflect."Ubs securities banking analysts SunXu said.

　　同时，熟悉银行业务的业内人士提醒，从三季度到年报发布，这个时间间隔很长，不良资产的处理空间比较大，为保持整个年报不良率水平稳定，不排除银行利用利润来抵消不良率。

At the same time,Familiar with banking the personage inside course of study warns,From the third quarter to the annual report released,The time interval is very long,Bad assets management of the space is larger,To maintain the stability of annual report defect rate level,The bank will not rule out using profits to offset defect rate.