“One Belt One Road’s emphasis on large-scale capital-intensive infrastructure investments abroad is aimed at channeling surplus domestic savings away from less productive domestic uses and at relieving overcapacity pressures,” Jack Yuan, associate director at Fitch Ratings, told CNBC. “Since the bulk of China’s savings are concentrated in the banking system, it is only natural that banks should provide most of funding for OBOR,” Yuan explained. China’s three policy banks – Agricultural Development Bank of China (ADBC), China Development Bank (CDB), and the Export-Import Bank of China (Chexim) – have been given ‘A+’ ratings by Fitch Ratings, while its largest commercial banks have ‘A’ to ‘A+’ ratings. Overseas loans from Chinese banks are estimated to be worth $1.2 trillion, of which a large portion has gone to financing infrastructure projects involving Chinese state-owned enterprises, the report said. But these projects might fail to deliver expected returns as political motivations take priority over the commercial viability of some OBOR projects, the ratings agency warned. Fitch added that Chinese banks have a poor track record of allocating resources efficiently, and policy banks tend to have poorer disclosure compared to commercial banks and non-Chinese development banks. Problem loans and bad debts can also take a while to emerge as these infrastructure projects tend to have a long time frame, one analyst told CNBC.


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