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Many companies offer season ticket loans as a perk.
Loans as a percentage of assets are at a 40-year low, according to Mr Bove.
Cinda ran its first Taobao auction of non-performing loans as a small trial in March.
It doesn't want people using family loans as a way of dodging gift and income taxes.
Housing prices have continued to plunge, removing home loans as a channel for finance.
For the first time since 2009, bond issues surpassed syndicated bank loans as a source of financing for larger companies.
Many of the fishermen, Mr. Pearce said, are still in debt with loans as a result of Hurricane Katrina.
Fashion has swung towards banks with big balance sheets that can offer loans as a lure for investment-banking business.
He added: "It will leave them having to take out loans as a leap in the dark.
Mrs. Clinton has long championed small loans as a way to lift rural women and their families out of poverty.
Nonperforming loans as a percentage of total lending fell to 4.67percentt, from 14.84 percent a year earlier.
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