In 2004, China Construction Bank Corporation (CCB) firmly carried out the scientific concept of development, integrated the implementation of state’s macro control policies into CCB’s internal development program, strengthened CCB’s loan portfolio management, focused on the market exploration, and improved the loan portfolio structure. The whole year domestic RMB and foreign currency loan increased RMB 228.9 billion, which was tightly restricted within the amount of CCB’s scheme. And the loan portfolio mix was mainly comprised by low risk loans and loans with preferential polices. Among these, the medium and long-term capital construction loan, technological renovation loan and personal housing loan represented the increase share of 61.79%, a rise of 28.78 percentage point in a year-on-year increase. Loans granted to the sector restricted by the state and with high risks were controlled strictly. It gained social benefits and economic benefits and was a win-win to CCB.

In 2004, CCB focused on strengthening the rationalization of the portfolio structure in the light of national macro control policies, and controlled loan amount and loan intervals in line with competent measures, and enhanced the marriage of the loan portfolio mix and national industry policies. CCB carried out capital budgeting and management techniques throughout the whole bank, drew upon economic capital allocation, controlled the rationalization of the loan portfolio mix, and enhanced the improvement of the loan portfolio structure. During the implementation process, CCB adjusted the allocation quotiety of economic capital in the right time according to national industry policies, and effectively made full use of the mechanism functions of the economic capital.

In 2004, CCB corporate loan had the following five features: first, corporate loan was  maintained steady growth as a whole and the amount exceeded the year plan; second, CCB improved policies insight, controlled the gross amount, and adjusted the portfolio structure; third, the portfolio structure was enhanced progressively; fourth, the balance proportion of foreign currency loan was increased, accounting for 5.79% of the balance of the total corporate loan, an increase of 0.22 percentage point over the previous year; fifth, loan quality was improved, and NPLs was reduced substantially.