CDB Saw Falling Non-performing Loans and NPL Ratio in 3Q
OREANDA-NEWS. November 13, 2014. China Development Bank (CDB) recently held the 3Q14 Working Conference on Cadre Supervision in Beijing. During the meeting, CDB Party Committee secretary and chairman, HU Huaibang, stressed that all staff members should align their thoughts and actions with the spirit of the 4th Plenary Session of the 18th Central Committee to promote rigorous bank governance with the Rule of Law, tightening up on cadre supervision and striving to achieve new progress in developmental finance. The CDB is fully committed to working toward the goals set out for the "100th anniversary of the Chinese Communist Party and the 100th anniversary of the People's Republic of China", the Chinese Dream and the rise of the Chinese nation.
CDB Party Committee deputy secretary and president ZHENG Zhijie delivered the management report, and the meeting was presided over by LIU Meisheng, Party Committee deputy secretary and chief supervisor of the bank. CDB management members present at the meeting include Party Committee members and vice-presidents LI Jiping, WANG Yongsheng and YUAN Li, Party Committee member and Discipline Committee chairman ZHOU Qingyu, Party Committee members and vice presidents ZHAO Xiaoyu and ZHANG Xuguang.
Chairman HU elaborated on the spirit of the 4th Plenary Session of the 18th Central Committee, calling for effective implementation by all CDB staff members to push forward the rule of law through rigorous bank governance based on the rule of law on all fronts. First, every employees need to fully understand the true spirit of the plenary session: the strategic importance of promoting the rule of law; the connection between CPC leadership and the rule of law and that between rule of law and Constitution-based governance; the scientific foundation of the socialist rule of law with Chinese characteristics and the administrative and policy framework to fully implement the rule of law. Second, rule-of-law-oriented rigorous CDB governance guided by the spirit of the meeting: the management should strategize business development, management and risk control and reinforce discipline in keeping with the rule of law, thereby pushing forward CDB reform legislation, ensuring operation compliance, standardizing various business development and improving its law implementation and supervisory systems. Third, stringent party and bank governance: CDB will continue to accommodate the various needs of the national development strategy, proactively applying the rule-of-law-oriented approach throughout the reform and development programs, actively enhancing the bank's governance standard as well as its ability to fulfill strategic needs for national development.
He pointed out, since the 18th CPC National Congress, the Party Central Committee led by president XI Jinping has repeatedly stressed the importance of party member supervision and discipline enforcement, and rigorous cadre supervision has now been routinized. Tightening up on cadre supervision is crucial to the implementation of the CDB reform program, a precondition to further the cause of developmental finance. All employees at CDB should fully understand and implement key initiatives of rigorous cadre supervision, making it the focus of our economic growth and party building operations. Efforts should be made to reinforce accountability in terms of effectively tightening continuous party discipline enforcement, improving the political ecology and work environment, thereby driving the CDB reform program forward:
1. Reinforce accountability to create a new environment to implement rigorous cadre supervision. Responsibilities of the CDB Party Committee as the leading body should be duly fulfilled, allowing full play to the supervisory role of the Discipline Committee and the Organization Committee, ensuring active implementation of the joint supervision mechanism;
2. Prioritize discipline enforcement, tightening up on cadre supervision as the "lifeline", ensuring strict compliance with political, organizational, financial, workplace and private life disciplines;
3. Set up a comprehensive cadre supervision system through full-scale deployment. Everyday activities of the cadres should be monitored closely, and cadre selection and appointment must be conducted under rigorous supervision, likewise various business operations;
4. Ensure stringent cadre management and supervision by establishing new mechanisms. Efforts should be made to build toward a comprehensive supervision system, whereby the cadres' work style can be improved on a continuous basis and discipline enforcement can be reinforced;
5. Correct unhealthy tendencies, gathering positive energy through rigorous cadre supervision. The pragmatic and truth-seeking attitude and belief in legal compliance should be vigorously promoted.
During his management report, CDB president ZHENG Zhijie stated that the bank made steady progresses while maintaining operation stability. Adapting itself to the emerging economic trends under new conditions, CDB posted fruitful results through developmental finance services on various fronts in terms of stimulating economic growth, facilitating reforms, economic restructuring, improving public welfare and risk prevention.
As of the end of September 2014, the bank's assets totaled RMB 9.96trn, with a loan balance of RMB 7.65trn; NPL ratio (0.53%) was kept less than 1% for 38 consecutive quarters, and NPLs and NPL ratio both decreased. Leveraging on the opportunities presented by the introduction of the property financing department, CDB played a leading role developmental finance: RMB 908.7bn of loans were pledged for approved shantytown projects, and loans with a combined total of RMB 295.5bn had been issued for 340mn square meters of new-starts and a total of 2.91mn shantytown households. Investment stimulation efforts were facilitated to boost development of the real economy. During 1-3Q 2014, RMB 921.8bn worth of loans were issued for "new urbanization" projects, RMB 80.9bn for railway projects; CDB participated in the issuance of railway bonds totaling RMB 100bn as the principal underwriter, and RMB 179.3bn of road loans were issued; RMB 428.1bn of new loans were granted for central and western regions and old industrial bases in the Northeast, accounting for 63% of total RMB loans; RMB 148.4bn of loans were issued to support emerging strategic industries, RMB 131.7bn for environmental protection endeavors, and RMB 157.2bn for poverty alleviation and development initiatives; agricultural loans totaled RMB 21.1bn, water conservancy loans RMB 72.6bn, and micro-enterprise loans RMB 45.4bn; 2.36bn students signed the student loan contract with CDB, with the full-year amount of new student loans projected to be RMB 14.5bn, adding 2.4mn new students to the existing base of students benefiting from CDB student loans.
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