Specific to the industry, as of the end of November 2012, the scale of Shanghai PV industry loans was 8.226 billion yuan, the balance of non-performing loans was 585 million yuan, and the non-performing rate was 7.11%, which has a further upward trend.
"2013 may be more difficult than 2012." The above-mentioned insiders said that due to the European and American debt crisis and double-reverse investigation, the international market demand is not strong, domestic overcapacity and other factors, the photovoltaic industry is unlikely to improve in the short term, or will appear A general loss situation.
The person familiar with the matter said that the quality of loans in the shipbuilding industry is also showing a downward trend. As of the end of 2012, the shipbuilding industry loan was 12.563 billion yuan, the bad balance was 437 million yuan, and the non-performing rate was 3.5%.
Affected by the downturn in international shipping, the sharp decline in the production of the Shanghai shipbuilding industry has led to a significant decline in the quality of loans in the shipbuilding industry, with the risk of steel trade loans being particularly prominent. Specific to the business level, business risks such as advance payment guarantee business and letter of credit advances under trade finance also attracted the attention of banks.
In this regard, the regulatory authorities have also explicitly requested in the near future that in 2013, it is necessary to increase the monitoring of key industry risks and prevent enterprise cluster risks. In accordance with the principle of maximizing the protection of creditor's rights, banks should increase loan provisioning and write-off of bad debts, and actively explore effective methods for risk control of bulk commodity trade financing.
The regulatory authorities reminded that the current fluctuations in the commodity markets such as copper, stone and timber should be highly concerned, closely tracking the risks of rising impulses of import and export enterprises during the downturn of the foreign trade industry, and continuing to pay attention to the overcapacity risks in the photovoltaic, shipbuilding and other industries.
Among them, the regulatory authorities also specifically mentioned the need to strengthen post-loan management, strictly monitor the use of loans, increase the frequency of visits to customers, and dynamically grasp the latest situation of enterprises and principals.
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A typical version of an overhead garage door used in the past would have been built as a one-piece panel.The panel was mounted on each side with unequal parallelogram style hinge lifting mechanism. Newer versions of overhead garage doors are now generally built from several panels hinged together that roll along a system of tracks guided by rollers. The door is balanced by either a torsion spring system or a pair of extension springs.A remote controlled motorized mechanism for opening garage doors adds convenience, safety, and security
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