The CBRC: China Banking bad loans totaled 1.96 trillion yuan

Information diagram. News agency Xinhua photo
Beijing, June 7, according to the China Banking Regulatory Commission's Web site, recently, the CBRC issued the China Banking Regulatory Commission in 2015 (hereinafter referred to as annals), the annual report states that, by the end of 2015, China's banking institutions totaled 1.96 trillion yuan of bad loans, NPL ratio 1.94%. Banking institutions active provision for loan loss provisions, continue to maintain a strong risk prevention capability.
2015 years annual report offers a comprehensive review of the CBRC deepen banking reform and opening up, promote the transformation and upgrading of banking services to the real economy, promote decentralization, prevent key risks to keep risk baseline conditions.
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　　Bank governance reform is progressing, and private capital entering domestic banking basic normalized implementation.
In 2015, the reform sector and franchise business banking division achieved significant progress, product registration, transfer of assets, mutual protection and support mechanisms and systems such as self-regulatory construction speed, banks involved in money markets, credit market and significantly improve the depth and breadth of direct financing. Private capital entering domestic banking in an orderly fashion. Issued guidance on the development of private banks to develop access policies and rules for the operation of private banks, normal development of private bank system laid the Foundation; the first pilot 5 private banks all opening General smooth operation. In addition, there are more than more than 100 medium and small commercial banks in private capital accounted for more than 50% national rural cooperative financial institutions, private capital accounted for nearly 90%, village Bank, private capital accounted for more than 72% has been opened 62 private holdings of non-banking financial institutions, newly opened in 2015 of which 16.
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　　Grasping the new opportunity of economic development under the new normal, support stable growth in the real economy, adjust the structure.
In 2015, the CBRC liquidize continuous supervision of banking institutions, with good increases, improve the efficiency of credit funds, promoting the quality and efficiency of economic development. Efforts to alleviate the financing difficulties, financing your problem, by the end of 2015, and other non-financial enterprises sector loans the weighted average interest rate was 5.27%, down 1.51%. Sound inclusive financial development of the overall policy framework in support of "sannong", small business and other weak links. By the end of 2015, the national small business loan balance is 23.5 trillion yuan to realize "three is not lower than" target; banking institutions to agriculture-related loans to 26.4 trillion yuan, an increase of 11.7%. Leading banks keep up with national strategies, innovative financial products and services, active dock, actively support the construction of major projects. By the end of 2015, low-income housing projects of banking institutions totaled 1.99 trillion yuan of loans, infrastructure loans totaled 19.4 trillion yuan.
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　　Pipe deepening decentralization, improve the level of supervision according to law.
2015, silver prison will effective advance internal schema reform,, however, decentralization administrative power, further highlight regulatory main, and optimization regulatory process, upgrade regulatory resources using effectiveness; developed and public silver prison will of power listing, and responsibility listing, and constraints listing, further improve regulatory transparency, strengthening self constraints; full advance banking rule of law construction, continued upgrade law regulatory level; amendment covers all banking financial institutions market access matters of five Department administrative license regulations and operation rules, continued perfect non-site regulatory, and Specification for field inspection and supervision system in administrative punishment; enhanced precision combat, and constantly improve the relevance, authority and effectiveness of the on-site inspection.
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　　And effectively guard against and defuse financial risks, adherence to risk is a systemic culture line.
2015, silver prison will continued strengthening risk monitoring warning, effective prevention cross, and across market risk diffusion and infection; insisted resolve stock risk and prevent added risk both, control local government financing platform, and real estate, and capacity excess, focus industry loan risk and focus institutions risk made active progress; full carried out "two strengthening, and two a curb", special check, punished violations behavior, operation risk get further control; continued strengthening social financial risk prevention, Illegal fund-raising risk investigation and rectification campaign was strengthened. By the end of 2015, China's banking institutions total of 4,262 legal institutions; 199.3 trillion yuan in total assets, an increase of 15.7%; debt totaled 184.1 trillion yuan, an increase of 15.1%, nonperforming loans totaled 1.96 trillion yuan, bad loan rate of 1.94%. Banking institutions active provision for loan loss provisions, continue to maintain a strong risk prevention capability. By the end of 2015, commercial banks ' capital adequacy ratio was 13.45%, compared with earlier 0.27%; loan loss provisions totaled 2.3 trillion yuan, set aside coverage of 181.18%.
2016, silver prison will will continues to insisted stability in the seeking into of work total tone, according to "five bit one" General layout and "four a full" strategy layout of requirements, seriously followed innovation, and coordination, and green, and open, and shared five big development concept, to integration banking funds resources support supply side structural reform, to reduced social financing cost optimization financial service, to prevention focus risk strictly risk bottom line, to in-depth advance banking reform, promote economic social continued health development.
(Editors: Zhong Qinghui UN660)
2016-06-07 18:50:16
China News Network

银监会：中国银行业不良贷款余额1.96万亿元

资料图。 中新社记者 张浩 摄
　　中新网6月7日电  据银监会网站消息，近日，银监会发布《中国银行业监督管理委员会2015年报》(以下简称《年报》)，《年报》指出，截至2015年底，我国银行业金融机构不良贷款余额1.96万亿元，不良贷款率1.94%。银行业金融机构积极计提贷款损失准备金，继续保持了较强的风险防范能力。
　　《年报》全面回顾了2015年银监会深化银行业改革开放、推动银行业服务实体经济转型升级、推进简政放权、防范重点风险守住风险底线等情况。
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　　银行业治理机制改革进展顺利，民间资本进入银行业基本实现常态化。
　　2015年，银行业事业部制和专营部门制改革取得明显进展，产品登记、资产流转、互助保障和行业自律等配套支持机制和系统建设提速，银行业参与货币市场、信贷市场和直接融资的深度和广度显著提升。民间资本进入银行业有序推进。出台促进民营银行发展的指导意见，制定民营银行准入政策和操作细则，奠定民营银行常态化发展制度基础；首批试点5家民营银行全部开业，总体运行平稳。此外，已有100余家中小商业银行的民间资本占比超过50%；全国农村合作金融机构民间资本占比接近90%，村镇银行民间资本占比超过72%；已开业民营控股非银行业金融机构62家，其中2015年新开业16家。
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　　把握经济新常态下的发展新机遇，支持实体经济稳增长、调结构。
　　2015年，银监会持续督导银行业金融机构盘活存量、用好增量，提高信贷资金使用效率，推动经济发展提质增效。着力缓解企业融资难、融资贵问题，截至2015年底，非金融企业及其他部门贷款加权平均利率为5.27%，同比下降1.51个百分点。健全普惠金融发展总体政策框架，支持“三农”、小微企业等薄弱环节。截至2015年底，全国小微企业贷款余额23.5万亿元，实现了“三个不低于”目标；银行业金融机构涉农贷款余额26.4万亿元，同比增长11.7%。引导银行业紧跟国家战略，创新金融产品与服务，主动对接、积极支持重大工程项目建设。截至2015年底，银行业金融机构保障性安居工程贷款余额1.99万亿元，基础设施行业贷款余额19.4万亿元。
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　　深化简政放权放管结合，提高依法监管水平。
　　2015年，银监会切实推进内部架构改革，清减下放行政权力，进一步突出监管主业、优化监管流程，提升监管资源利用效能；制定并公开银监会的权力清单、责任清单、约束清单，进一步提高监管透明度，加强自我约束；全面推进银行业法治建设，持续提升依法监管水平；修订涵盖全部银行业金融机构市场准入事项的五部行政许可规章和操作细则，持续完善非现场监管、现场检查、行政处罚监管工作制度规范；加强精准打击，不断提高现场检查的针对性、权威性和有效性。
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　　有效防范和化解金融风险，严守不发生系统性区域性风险底线。
　　2015年，银监会持续加强风险监测预警，有效防范跨行业、跨市场风险扩散和传染；坚持化解存量风险与防止新增风险并重，防控地方政府融资平台、房地产、产能过剩等重点行业贷款风险以及重点机构风险取得积极进展；全面开展“两个加强、两个遏制”等专项检查，严惩违规行为，操作风险得到进一步控制；持续加强社会金融风险防范，非法集资风险排查和专项整治活动成效明显。截至2015年底，我国银行业金融机构共有法人机构4,262家；资产总额199.3万亿元，同比增长15.7%；负债总额184.1万亿元，同比增长15.1%；不良贷款余额1.96万亿元，不良贷款率1.94%。银行业金融机构积极计提贷款损失准备金，继续保持了较强的风险防范能力。截至2015年底，商业银行资本充足率为13.45%，较年初上升0.27个百分点；贷款损失准备金余额2.3万亿元，拨备覆盖率181.18%。
　　2016年，银监会将继续坚持稳中求进的工作总基调，按照“五位一体”总体布局和“四个全面”战略布局的要求，认真遵循创新、协调、绿色、开放、共享五大发展理念，着力整合银行业资金资源支持供给侧结构性改革，着力降低社会融资成本优化金融服务，着力防范重点风险严守风险底线，着力深入推进银行业改革开放，促进经济社会持续健康发展。
(责任编辑：钟庆辉 UN660)
2016-06-07 18:50:16
中国新闻网