Banking financial institutions rate 1.6% than the beginning of last year increased by 0.11%
according to which commercial banks ' bad loans was 842.6 billion yuan early this year, an increase of 250.6 billion yuan, rate was 1.25%, up 0.25% than the beginning. This means that, in as much as 1.43 trillion in bad loans, there are nearly 600 billion yuan of bad from financial institutions other than banks. "The other side of banking institutions, is the biggest policy Bank, agricultural development Bank, more historic debt. Secondly, the bad high and rural financial institutions. "Prudential regulation Ye Yanfei, Deputy Director of the CBRC said in response to 21st century business Herald reporter's question.
our reporter Li Yumin of Beijing reported
on May 14, 2014 issued by the CBRC annual report shows that by the end of 2014, 4,091 banking institutions a total of legal institutions in China, with total assets of 172.3 trillion yuan, an increase of 13.9% total liabilities of 160 trillion yuan, an increase of 13.3% nonperforming loans totaled 1.43 trillion yuan, NPL ratio 1.6% early this year, up 0.11%.
according to which commercial banks ' bad loans was 842.6 billion yuan early this year, an increase of 250.6 billion yuan, rate was 1.25%, up 0.25% than the beginning. This means that, in as much as 1.43 trillion in bad loans, there are nearly 600 billion yuan of bad from financial institutions other than banks.
new loans in four sectors account for 60%
as defined by the CBRC, as of the end of 2014 banking institutions in our country there are 4,091. Includes 3 major policy banks, 5 commercial banks and 12 joint-stock commercial bank 133 city commercial banks, 665 rural commercial banks, 89 rural cooperative banks, rural credit cooperatives in 1596, others include trust companies, finance companies, consumer finance companies, rural banks and so on.
banking institutions the average 1.6% rate 1.25% rate than commercial banks. "The other side of banking institutions, is the biggest policy Bank, agricultural development Bank, more historic debt. Secondly, the bad high and rural financial institutions. "Prudential regulation Ye Yanfei, Deputy Director of the CBRC said in response to 21st century business Herald reporter's question.
banking institutions last year new loans to the four major industries in the territory, and concentration declined from the previous year. New loans for personal loans accounted for the four industries with the highest (24.2%), real estate (13.4%), the wholesale and retail trade (12.6%), and the transport, storage and postal services (10.2%), which totals up to 60.4% per cent. These trades are disclosed in the annual report of listed banks unhealthy concentration of industry.
However, endogenous risk resistance ability of China's banking industry also improved. By the end of 2014, commercial banks ' capital adequacy ratio was 13.18%, compared with earlier 0.99%; loan loss provisions totaled 1.96 trillion yuan, the provisioning coverage ratio is 232.1%.
annual report also displayed, banking of bad appeared has some significantly features: from area and industry concentrated degrees view, bad loan by East Coast area to Midwest area diffusion, main concentrated in manufacturing and wholesale retail, industry; from customer scale and type Shang see, bad loan by small micro-enterprise to medium enterprise extended, and by enterprise customer to personal customer diffusion; from business property Shang see, bad by table outside business to table within business passed.
the CBRC said that 2015 highlights include full implementation of risk control of banking supervision responsibilities against the major risks faced by the banking sector, in order to further enhance the future of risk management and sensitivity to further enhance the Bank's ability to absorb risk, firmly hold the bottom line not systemic, culture, risk, maintain the sound operation of the banking sector.
for local financing loans, the CBRC said, according to the "under construction, reconstruction, new control" oriented, required banking institutions loans shall not be added to local-government financing platforms; strict customs access to new loans, granting financing loan must meet the borrower's cash flow coverage, collateral in accordance with the existing provisions, asset-liability ratio of less than 80%, and so on.
means to investigate and deal with illegal
data show 2014 banking institutions to achieve net profit of 1.93 trillion, an increase of 10.5% capital profit of 17.1%, down 1.37%; return on assets was 1.19%, down 0.03%.
the CBRC said that 2014 private capital entering domestic banking achieved a historic breakthrough. Private bank pilot project, to complete the first 5 private banks to raise, 4 of which has now been opened. In addition, there are more than more than 100 medium and small commercial banks in private capital accounted for more than 50%, part of 100% private capital for national rural cooperative financial institutions, private capital accounted for Super 90%, village Bank, private capital accounted for Hyper-72%; has opened 43 private holdings of non-banking financial institutions, of which 6 are new in 2014.
in terms of regulation, since last year, the CBRC strong decentralization, cancel and delegation of a number of items requiring administrative approval. And through adjustment of the regulatory framework, to further improve the control and efficiency.
annual report in 2014, innovation of the CBRC on-site examinations, established a check Board and drive back the enemy seized the main remote verification systems while leveraging new media technologies, set up on-site inspection "micro-Exchange" platform.
Meanwhile, the CBRC in 2014, through inspection and analysis system (System-EAST) for a total of 329 checks carried out analytical work, inspection covers, bills of credit, trade, finance and other fields.
last December, the Banking Regulatory Commission deployed a "two strengthening, contain" special inspection. The CBRC said that by 2015 for supervision over banking institutions by checks will also be carried out within the system "stronger regulation to curb illegal and criminal" self-examination and rectification campaign.
reportedly, 2014 silver prison will of major site check project including, on ICBC table outside business and bank liabilities business for site check, on make line carried out full check; on country open line of outside assets and capacity excess industry and the real estate loan, import and export bank outside credit and agricultural issued follow-up rectification and the three class loan, mail storage Bank follow-up rectification, and peer business and table outside business, East assets of commercial business, for site check.
according to CBRC through spot checks, have investigated and dealt with illegal amount of 5.1 trillion yuan of banking institutions, punish illegal financial institutions 2,157, cancel the qualifications for senior managers, 22.