Shanghai Securities News China Securities Network News (Reporter Zhang Jones) learned from the China Banking and Insurance Regulatory Commission on July 30 that in the first half of the year, the China Banking and Insurance Regulatory Commission resolutely implemented the decisions and deployments of the Party Central Committee and the State Council, deepened structural reforms on the financial supply side, and strictly adhered to the bottom line of systemic risks. Promote the high-quality development of the banking and insurance industry, and strive to balance “steady growth” and “risk prevention”.
The banking and insurance industry has made no slack in preventing risks, and risks in key areas have continued to converge. The first is to increase the efforts to deal with non-performing products. In the first half of the year, banking financial institutions disposed of 1.2 trillion yuan in non-performing assets. Among them, the disposal of non-performing loans was 1.1 trillion yuan, an increase of 49.6 billion yuan over the same period last year.
Second, the growth rate and concentration of real estate loans have both decreased. Since the beginning of this year, the growth rate of real estate loans has continued to be lower than the average growth rate of various loans. At the end of June, real estate loans increased by 9.8% year-on-year, and the growth rate hit an 8-year low. The concentration of real estate loans fell from a high of 29.2% in 2019 to 28.2% at the end of June. In terms of different institutions, the concentration of real estate loans of various commercial banks has declined to varying degrees.
The third is to strengthen prudential supervision in areas such as Internet financial services. At the end of June, the balance of personal time deposits absorbed by banking financial institutions through third-party Internet platforms was 404.3 billion yuan, a decrease of 126 billion yuan from January. Regulate Internet lending, and the scale of joint loans with commercial banks mainly as fund providers has declined compared with the beginning of the year. The structural deposits continued to be reduced, with a total pressure of 147.6 billion yuan in the first half of the year.
The fourth is to broaden capital replenishment channels, and small and medium-sized banks have improved their ability to withstand risks. In the first half of the year, banking financial institutions issued 1.1 trillion yuan of bonds, of which 350.5 billion yuan was issued by perpetual bonds, an increase of 63.4 billion yuan year-on-year, mainly concentrated in small and medium-sized banks to supplement capital. Some small and medium-sized banks also supplement capital through innovative tools such as the issuance of convertible equity agreement deposits to dock local government bonds. At the end of the second quarter, the capital adequacy ratio of commercial banks was 14.48%, a year-on-year increase of 0.27 percentage points. Among them, the capital adequacy ratio of city commercial banks was 12.91%, a year-on-year increase of 0.34 percentage points.
Fifth, quasi-credit business continued to be compressed. Interbank wealth management business dropped from a peak of 6.8 trillion yuan to 271.9 billion yuan at the end of June. Trust loans and general entrusted loans fell 784.3 billion yuan and 63.7 billion yuan respectively from the beginning of the year.Return to Sohu to see more
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