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上市银行不良率总体下降

2017-09-13 07:31:23   中国经济网

7家城商行整体不良率为1.21%,在上市银行中最低。其中,两家保持不变,4家较去年末有所下降,北京银行降幅最高,下降9个BP,不良率为1.18%。仅有贵阳银行不良率上升4个BP,但1.46%的不良率在业内仍处于中游。

在5家农商行中,江阴银行的资产质量依然是业内关注的焦点。江阴银行不良率为2.45%,在上市银行中排名倒数第一,较去年末增加4个BP,在农商行中增幅最高。而常熟银行、吴江银行和无锡银行不良率均有所下降,仅张家港行微升。

与此同时,江阴银行也是唯一一家净利润同比下降的上市银行,2017年上半年净利润同比下降5.75%。

金融严监管发挥成效

转型应对资产质量压力

武汉科技大学金融证券研究所所长董登新告诉法治周末记者,之所以上市银行不良率整体回落,主要得益于严格的金融监管政策。在2013年到2015年,银行业不良率的反弹有一个加速的趋势,受到了银监会的关注,国务院也在防风险方面做了大量的整治工作。自2016年下半年以来,金融回归本源的监管工作颇有成效,这对于金融风险的化解,尤其是对银行不良贷款率的回落是一个非常重要的环境因素。

“另外,银行自身也加大了对不良贷款的处置力度。不良贷款拨备的能力不断增强,部分死账烂账得到了及时的处置,这些都是银行业不良贷款率回落的重要因素。”董登新表示。

银行业净利润的回升得益于资产质量的好转。半年报显示,上半年工行、中行、农行、建行的净利润分别为1537亿元、1105亿元、1087亿元和1390亿元,同比分别增长2%、3.02%、3.4%和3.81%。而去年同期,4家银行的净利润增速仅分别为0.8%、2.52%、0.5%和1.25%。

不过,对于银行资产质量改善趋势是否能够持续,有业内分析人士认为,银行业资产质量有所企稳,但下半年处置存量和新增不良贷款的压力仍然较大,维持良好态势仍面临挑战。

董登新指出:“从整个行业来看,银行业的转型升级已经到了必须要经历的一个阵痛的过程。银行业的转型是新旧经营模式的转折,经过一段摸索期就会步入新的发展阶段。如果说过去银行的经营模式是依靠快速的规模扩张,那么转型之后可能就会慢慢走向资产质量至上、服务质量至上的阶段。”

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