November 24, 2015 published asset: Chinese bad assets of financial market research report said that this rise in banks ' bad assets have not yet peaked, banking bad loan ratio increased to continue 4-6 quarters, new credit point appears bad loans more likely to be in 2017.
Orient asset said the bad assets are spread to all kinds of banking institutions, regions, industries, but compared with the international, China Banking bad loan ratio remained at a low level, risks are under control.
According to previous disclosures by the CBRC data, as at the third quarter of 2015, Bank non-performing loans reached 1.1836 trillion yuan, rate 1.59%. Zhongmin vote in response to exit 16 5 billion
Investigation report said bad loans in the fourth quarter of this year is expected to reach 1,263,782,000,000 yuan, NPL ratio 1.67% is expected in 2016 bad loan rate of 1.94% in the fourth quarter.
Economic downward pressure this year for bank credit quality is obvious.
Oriental assets of commercial banks according to survey respondents, compared to last year, the respondents increased fears about the quality of credit assets, and more than 85% of respondents believes that continuing decline in economic growth will lead to formation of credit assets of commercial banks bad loans ahead of time.
Industry, this year's fastest-growing industries is a new generation of credit information technology and energy conservation, environmental protection, followed by transportation and personal loans. Most likely risks of financial institutions and platforms, and more than half of the respondents considered the "small loan company, credit guarantee companies and other new types of financial institutions", followed by "lending platform for P2P network" to 33.87%. The highest risk financing, 53% of respondents chose "P2P NET loan". Credit bad debts in commercial banks risk the most serious of the three in turn are manufacturing, wholesale and retail trade and the mining industry.
Orient asset said the industries with surplus production capacity is concentrated in the manufacturing sector, overcapacity and the dilemma of declining profitability co-exist, difficult to solve in the short term, to the risk of bad loans banks should not be underestimated, is expected to continue for a long time.
For now, more serious bad loan of commercial bank of Zhejiang and other coastal areas, orient asset survey, future bad loans if the situation continues to deteriorate, the 23% of the respondents think that the bad loan ratio rises faster in southern China, followed by the Northeast, North and East China.
Report notes that during the follow-up period, Pearl River Delta in South China, East China Yangtze River Delta and eastern coastal areas continue to be potential areas of banks ' bad loans. The area economy is more developed, more active private economy, financing is more active, fast economic structural adjustment, economic activity higher risk appetite, bad loan ratios are accordingly high.
Oriental asset, said from the area, around bad asset balances general rise, Zhejiang, Jiangsu, Guangdong, Shandong, Fujian, Shanghai and other coastal developed provinces and municipalities in bad loans is still large, bad loans spread shows starting from the southeast coast to the Mainland is expected some time in the future will break out a certain amount of non-performing assets in the Midwest.
Worth noting is that with almost 94% of respondents this year said that, bank book risks underestimated compared with the real risk exists, less than 82% last year. 43.55% per cent of respondents think the true bad loan ratio between 2.5%-3.5%, well above the data released by the China Banking Regulatory Commission.
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