根据监管机构的统计，温州地区银行业不良率1月份继续上扬，区域内银行业不良贷款率达3.79%，环比又上升了0.04个百分点。

According to regulatory agencies,Wenzhou regional banking on higher defective rate in January,Regional Banks non-performing loan ratio of 3.79%,Went up 0.04% month-on-month.

　　“区域内的经济并没恢复，企业融资处境困难。常规的融资信用链被危机打破后，企业融资困顿。危机时期入驻各家银行的政府金融协调小组至此也不敢撤离。”2月21日，小组一名工作人员告诉记者，去年一年以来，政府的转贷基金，累计为企业银行续贷等垫资达到了10亿元。

"Regional economy did not recover,Enterprise financing difficulties.After conventional financing credit chain broken by crisis,Enterprise financing difficult.The government financial crisis in Banks coordination group now also dare not to evacuate."On February 21,,Group a staff member told reporters,Since last year,The government's lending funds,Cumulative Banks continue lending mat endowment for enterprises reached 1 billion yuan.

　　温州金融综合改革试验区获中央审批通过至今已有10月余，但区域内银行系案例的陆续爆发，民间金融危机向银行系统蔓延，至此未见平复。

Wenzhou financial comprehensive reform experimental zone for the examination and approval by it has been ten months before,But in succession of bank is a case in the area of outbreak,Folk financial crisis spread to the banking system,So far no repair.

　　银行不良贷款继续高升，区域内平安与广发两大股份制银行不良率过去数月已轮番刷新历史高位。

Bank non-performing loans continue to rise,Regional peace and gf two joint-stock bank defective rate in the past few months have take turns to refresh the record high.

　平安、广发不良率新高 peace/Guangfa scrap rate high

　　不良卷土重来。据温州银监局统计显示，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，温州不良率连升17个月后首次下降后，又一次出现反弹。

Bad back.According to statistics of wenzhou branch,At the end of December,Wenzhou banking non-performing loan ratio of 3.75%,Rose by 0.32%.This is the end of November last year,Wenzhou defective rate rose after 17 months after falling for the first time,Bounce back again.

　　“高层会议明确提醒不能对外提这个（不良），但这个月趋势没变。”一名不愿透露姓名的政府官员称，“中小企业资金链断裂还在延续，银行业不良贷款率将在今年内继续显现。”

"High-level meeting clearly remind not to mention the(bad),But I can't change trend this month."An unnamed government official said,"Small and medium-sized enterprise capital chain rupture continues,Banks non-performing loan ratio will continue to appear in the course of the year."

　　记者获得的一份当地监管机构对区域内银行系统的不良贷款的统计报表显示，去年平安银行(000001,股吧)温州分行和广东发展银行温州分行被深度卷入民间金融风波，不良贷款余额与不良率迅速攀升。

Reporter for a local regulator of non-performing loans of the banking system in the area of statistics show,Last year, ping an bank(000001,stocks)Wenzhou branch and guangdong development bank, wenzhou branch was engulfed by the depth of the folk financial turmoil,Non-performing loan balance and defective rate climbed quickly.

　　截至去年6月末，广发银行温州分行不良贷款余额9亿余元，但比年初却飙升翻番，增长了5.88亿元。广发银行不良率比年初上升5.23%，上升幅度也是区域内银行系统之首。

By the end of June last year,Guangdong development bank, wenzhou branch balance of non-performing loans of more than 900 million yuan,But have doubled from a year earlier,Increased by 588 million yuan.Wide hair negotiable bank defective rate rise 5.23% from a year earlier,Rise is also head of regional banking system.

　　广发银行温州分行的不良率达到7.64%，平安银行温州分行（当时尚 称深圳发展银行）为7.46%，广发行温州分行居当地银行系之首。

Wide hair negotiable bank wenzhou branch of defective rate is 7.64%,Ping an bank, wenzhou branch(At that time was called shenzhen development bank)Of 7.46%,Among the top of the department of local bank bank wenzhou branch.

　　不过，广发温州分行的不良贷款余额总量不算大，在股份制银行中，远远低于平安银行温州分行（原名深圳发展银行）的13.72亿元和浦发银行(600000,股吧)温州分行的16.54亿元。

but,Wenzhou branch of guangdong development bank non-performing loan balance amount is not big,In the joint-stock Banks,Far below the pingan bank wenzhou branch(Formerly known as shenzhen development bank)The Shanghai pudong development bank and 1.372 billion yuan(600000,stocks)Wenzhou branch of 1.654 billion yuan.

　　当地的建设银行(601939,股吧)温州分行不良贷款余额同期高达30余亿元，由于其信贷基数较为膨大，因此不良率仅为3.64%。

The construction of the local bank(601939,stocks)Wenzhou branch balance of non-performing loans over the same period of up to more than 30, one hundred million yuan,Due to its credit base),So the defective rate is only 3.64%.

　　半年后，截至2012年11月，据温州银监局统计，平安银行温州分行不良率升至9.48%的历史新高，刷新广发银行的6月末“冠军”。一个月后，广发行的贷款不良率则刷新达到了10.10%的新高，又超越了平安银行前一月创下的区域高点记录。

After half a year,As of November 2012,According to the wenzhou branch,Ping an bank wenzhou branch reached a record high defective rate rise to 9.48%,Refresh the wide hair negotiable bank in late June"champion".After a month,Bank loans will refresh the record high reached 10.10%,And beyond the region of ping an bank in previous month record highs.

　　纠结的“商业贷”

tangled"Commercial credit"

　　诸多呈现的坏账案例被密集处置。

Many of bad debt case by intensive treatment.

　　当地司法机构统计，在未来2个月内，以平安银行温州分支行作为原告的金融纠纷案多达40起，多为金融借款合同纠纷或信用证纠纷，平均不到2天就得开庭一场。

The local judiciary statistics,In the next two months,Pingan bank wenzhou branch as the plaintiff's financial dispute up to 40,More disputes for financial loan contract dispute or l/c,On average less than 2 days will have to open a court session.

　　上法院的并不止平安银行，其中建设银行温州分行、广发行等等，基本普遍存在这种趋势。

On the court and not ping an bank,The construction bank wenzhou branch/GDB, etc.,Basic universal existence of this trend.

　　一名股份制银行高管金先生认为，为了遏制“账面”上的不良率，过年关考核“好看些”，区域内银行在第三季度就开始计划将一些还贷暂时困难的客户做展期。

A joint-stock bank executives, Mr Kim said,In order to contain"The book"The defective rate on the,Assessment of a year"Look good",Start your plan at the regional bank in the third quarter will be borrowed some temporary difficulties customers do roll over.

　　虽然银行普遍再为企业贷款做展期，但显然杯水车薪，不良贷款这条神经再次绷紧。

Although Banks do for enterprise loan roll over again,But, apparently, a drop in the bucket,Bad loans this nerve is tight again.

　　温州银监局统计的数据显示，截至去年12月底，温州银行业不良贷款额为262.84亿元，比上月新增23.05亿元，比年初新增175.89亿元。3.75%的不良贷款率环比上升了0.32个百分点。

Wenzhou branch of statistics data show,By the end of December last year,Wenzhou banking non-performing loans is 26.284 billion yuan,Than last month increased by 2.305 billion yuan,Than at the start of the new 17.589 billion yuan.3.75% of the non-performing loan ratio rose 0.32% month-on-month.

　　在新增不良贷款中，建行温州分行占18.95亿元，占当地新增不良贷款的82%，并令该行不良率上升至7.34%，环比升2.32个百分点。建行财报显示，去年前三季度全行新增不良贷款为20.3亿元，温州已成为建行不良贷款增长的主要来源地。

In the new bad loans,Construction bank wenzhou branch account for $1.895 billion,Accounting for 82% of the local new bad loans,And make the bank defective rate rise to 7.34%,Rose, rose 2.32%.CCB reported,He new non-performing loans of 2.03 billion yuan in the first three quarters of last year,Wenzhou has become the main source of construction bank non-performing loan growth.

　　温州也成为各家银行不良的“罪魁祸首”。回顾平安银行的不良贷款走势，温州占比明显，2012年三季报显示，报告期内的不良贷款继续上升，由6月末的 0.73%上升至0.80%，不良贷款余额由49.7亿上升至 56.6亿元。

Wenzhou has become bad Banks"The main culprit".Review of pingan bank non-performing loans,Wenzhou ratio obviously,Three quarterly reports display in 2012,During the reporting period of non-performing loans continue to rise,0.73% to 0.80% by the end of June,Bad loans and the balance by 4.97 billion rose to 5.66 billion yuan.

　　从地区上看，平安银行温州地区的不良贷款继续膨胀，其去年9月末的不良贷款余额占全行的比例为32.24%，而这一比例在去年6月末为27.61%。

Look from the region,Ping an bank non-performing loans continue to swell in wenzhou region,The non-performing loan balances at the end of September last year accounts for the proportion of 32.24%,And the proportion of 27.61% at the end of June last year.

　　“你周围都是这样的客户，这个时期内，银行是很不愿意放贷的。但各种压力又不得不去承担这种责任。”国有大行一名贷款业务部门的负责人王先生不无纠结地说。

"Around you is this customer,This period of time,Banks are reluctant to lend.But all kinds of pressure and had to go to bear the responsibility."State-owned large line a loan business, head of Mr. Wang is a struggle to say.