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上半年不良贷款率普遍下降 银行资产质量企稳向好

2017-09-06 06:20:40   中国经济网

综合分析近日披露的25家A股上市银行半年报业绩可以发现,不良贷款率普遍下降,部分上市银行资产质量趋于好转。不少股份制银行更加重视不良贷款问题,主动加快不良贷款释放,积极核销清收。另外,经济增长呈现底部企稳并局部回暖向好的态势,这为银行资产质量改善提供了非常好的外部环境

作为观察银行经营状况的一项重要指标,银行资产质量一直是市场关注的焦点。综合分析近日披露的25家A股上市银行半年报可以发现,不良贷款率普遍下降,部分上市银行资产质量趋于好转。

不良生成放缓趋势显现

不良贷款是指在评估银行贷款质量时,把贷款按风险基础分为正常、关注、次级、可疑和损失五类,其中后三类合称为不良贷款。不良贷款率指金融机构不良贷款占总贷款余额的比重。在业内人士看来,在衡量上市银行资产质量上,除了不良贷款率,关注类贷款占比及正常与关注类贷款迁徙率也是一个重要评判标准。

“建行上半年不良贷款率是1.51%,比去年年底降低了一点点。但是,这一点点实际上是非常难能可贵的。”在2017年中期业绩发布上,建设银行董事会秘书陈彩虹说。

不仅是建行,数据显示,工商银行、农业银行、中国银行和交通银行的不良贷款率均有所下降,不良贷款率分别为1.57%、2.19%、1.38%和1.51%,下降幅度分别为0.05%、0.18%、0.08%和0.01%。

五大国有银行半年报显示,资产质量指标全面改善,不仅不良贷款指标好转,关注类贷款及逾期贷款作为领先指标也显著好转。从半年报数据看,工行不良贷款率、逾期贷款率和剪刀差等关键指标全面下降,其中不良贷款率是自2013年不良贷款“双升”以来首次实现“单降”。

中行董事长陈四清也表示,中行关注类贷款比率2.77%,比一季度末下降11个基点。逾期贷款金额、比率实现“双降”,6月末集团逾期率1.97%,较上年末下降18个基点。中原证券分析师刘冉认为,这意味着中行贷款质量全面好转。

除国有大行外,城市商业银行也延续了去年以来的不良生成放缓趋势,如宁波银行和南京银行不良贷款率都在1%以下。其中,南京银行不良贷款率0.86%,较年初下降0.01个百分点。宁波银行不良贷款率为0.91%,与过去6个季度持平。其他一些城商行中虽然不良贷款率稍高,但也呈现出下降趋势,如中原银行不良贷款率为1.85%,较上年末下降0.01个百分点,关注类贷款比例较年初下降0.01个百分点。

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