Recently saw banking business stick to the way of different handling and treatment, in which some enterprises with market prospect and benefit to gain and conducive to increasing job opportunities are guaranteed with a timely and normal support of flowing capital and loans, so as to facilitate in a substantial way the construction projects that cater to the national industry policy and market access conditions.

Not long ago, Shandong Taishan Fiber Glass Co. Ltd. intended to install a multi-axial production line for composite felt. The production line is as said like a "touch-stone" be able to weave with a sort of stone into a special fiber-cloth, which is heat-resistant and anti-corrosive. When completed it is able to turn out an annual production value of over 100 millions of yuan in people's currency. When the company was racking its brain on how to get the loans China Industrial and Commercial Bank Tai'an Branch lent it a timely helping hand of 40 million-yuan of loans and other three banks also offered a release of 100 million-yuan of loans. Facing with a timely fund support, person in charge of the company said with emotion, "Judging from the fact, the macro-control did not ��lay hack on all without differentiation'. For a project having market prospect and catering to the industry policy, support has been given by banks for its development."

Unfolding before the eyes of the reporter is a copy of the "investment input of newly-added floating capitals" by Li Xiaopeng, Governor of Commerce and Industry Bank Beijing Branch. From the table, the reporter could read clearly, a batch of fragile trades in social-economic development have got the loan support from the bank. Up to the end of last August, the sectors got the most newly added floating-capital support from the bank are the following four: the exploitation of natural crude oil and gas, railway transportation, thermo-power generating and aviation. The newly added loans the four industries got make up 70.1 percent of the total.

The tales of seeing and hearing is a miniature of the optimized structure for loans and credits carried out earnestly by banks in line with the requirements for strengthening and improving the macro-control work.

Recently saw banking business stick to the way of different handling and treatment in which some enterprises with market and benefit to gain and conducive to increasing job opportunities are guaranteed with a timely and normal support of flowing capital and loans so as to facilitate in a substantial way the construction projects that cater to the national industry policy and market access conditions but efforts are being made to prevent from ��laying hack on all without differentiation'.

China Construction Bank has made an organic combination of the macro-control requirement with the rearrangement of the banking business, said frankly Zhang Enzhao, Governor of the China Construction Bank. Take the arrangement of client accounts for instance, the Construction Bank intends to consolidate by all means the clients of excellent quality, develop continuously targeted clients of fine quality and cut down those of low effect or to quit.

Zhang Enzhao revealed, the Construction Bank would lay its stress on doing well the marketing among the eight categories of fine quality clients. They cover those having things to do with the projects of major basic facilities for national and local economic development, projects for fine quality technical renovation, civilian-owned enterprises of fine quality, hi-tech enterprises of fine quality and small and medium enterprises of potentials for development and so on. With regard to such clients as of not much perspective, with backward technology, and of no good in management and operation and bad in credibility that are about to quit, the Construction Bank will effect credit withdrawal on the condition of adopting certain protective measures.

"To advance and retreat" and step up the rearrangement of credit structure, this is the requirement of Jiang Jianqing, Governor of China Industrial and Commercial Bank. On the one hand the bank will further work well on the credit measures of the state-controlled industries, and on the other efforts will be made to consolidate and nurture credit markets of fine quality. For instance, the bank will, under the premises of controlling the total amount of loans for realty development, give active support to those real estate developing enterprises of fine quality and low liabilities in developing and construction of commodity-houses for ordinary and economical purposes while continue to grasp well the credit for individual consumption and contracted housing loans.

When going over the Business Prospectus of 2004 -- 2006 of the State Development Bank the reporter found out that the Development Bank would give play to its superiority in development financing with priority for loans given to guaranteeing the bottleneck areas for social development and the highlighted projects the government paid attention to so as to ensure that there would be no break in the capital linkage of national and local key construction projects.

A portion of work will get in a portion of benefit. The newest statistics of the People's Bank of China indicated that in last July the short-term loans downed RMB 18.4 billion yuan, a less decline of 25.5 billion yuan over the same period before; while the increase of medium-and-long-term loans registered RMB 50.4 billion yuan, a less increase of 53.4 billion yuan as against that before. This "one less decline and one less increase" has indicated from a profile that the optimization of credit structure in the banking business has already scored certain achievement.

By People's Daily Online