新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China

范大路:我国银行业运行稳健?资产质量改善趋势明显

2017-09-22 20:17:00   中国经济网

近日,标普宣布下调中国长期主权信用评级。这是继穆迪今年5月下调中国本币和外币发行人评级之后,又一国际评级机构下调中国主权信用评级。原因在于担忧中国的金融稳定性。

作为我国金融业的核心部门,当前我国银行业运行稳健,风险可控,去杠杆效果逐步显现,服务实体经济的能力进一步增强和提升。标普对我国金融稳定性的担忧毫无根据、难以立足。

一是净利润增速有所回升。2017年上半年,商业银行当年累计实现净利润9,703亿元,同比增长7.92%,行业净利润增速自2016年三季度以来持续回升。五大国有商业银行净利润增速保持在2%-4%之间,普遍好转。其中,建行、中行、农行、交行的税后净利润同比增速都在3%以上,相比去年底1%左右的增速有明显反弹态势。净利润增速回暖态势明显原因主要在于:息差好转,资产质量好转。

二是资产质量总体平稳。2017年二季度末,商业银行不良贷款余额1.64万亿元;不良贷款率1.74%,与一季度末持平,已经连续三个季度保持稳定;关注类贷款占比为3.64%,较一季度末下降0.13个百分点;不良贷款和关注类贷款余额较年初分别增长1235亿元和637亿元,较去年同比分别少增394亿元和3705亿元,增速大幅下降,不良贷款的生成速度明显放缓,资产质量好转趋势明显。同时,风险抵补能力继续加强。商业银行贷款损失准备余额为28983亿元,较一季度末增加747亿元;拨备覆盖率为177.2%,较一季度末下降1.58个百分点,与国际上相比仍处于较高水平;贷款拨备率为3.09%,较一季度末下降0.02个百分点。

三是金融去杠杆效果明显。同业业务持续收缩,8月末,同业资产、同业负债分别较年初减少3.2万亿元和1.4万亿元,同比增速分别为-13.8%和-1.6%。理财产品增速连续下降,理财产品余额同比增速降至6.5%,较去年同期下降27个百分点,已连续7个月下降,其中,今年以来同业理财累计减少2.2万亿元。投资业务中,特定目的载体投资增速显著下降,该领域投资只增加了8000多亿元,同比少增4万多亿元,增速较去年同期大幅下降36.7个百分点。委托贷款增长持续放缓,近几个月保持减少态势,同比少增6100多亿元。

总体来看,我国经济呈现“缓中趋稳,稳中向好”态势,支撑经济保持中高速增长和迈向中高端水平的有利因素进一步增多;银行业总体运行稳健,净利润增速有所回升,资产质量改善趋势明显,金融去杠杆效果显著,不会发生系统性金融风险。

(郑州银行金融研究院院长 范大路)

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170922/31505775.html
Server: cms-9-53
Date: 2024/12/26 15:31:23

Powered by China
China