Official: Accelerate the promotion of special debt to supplement the capital work of small and medium banks

Zhongxin Jingwei, July 21st. Liu Zhongrui, head of the Statistics and Risk Monitoring Department of the Banking Insurance Regulatory Commission, said on the 21st that in the first half of this year, the overall quality of the bank assets in my country maintained a stable trend, and the risk was generally controllable.

On the afternoon of the 21st, the National New Office held a press conference on the development of the banking insurance industry in the first half of 2022. At the meeting, a reporter asked: The spread of the epidemic led to surpassing the downward pressure of the economy, and many industries had some difficulties. What is the current quality of my country's banking assets? What measures will be taken to further maintain the stability of asset quality?

Liu Zhongrui replied that in recent years, the prevention and resolution of financial risks have achieved phased results. In the past five years, the banking industry has accumulated a total of 11.5 trillion yuan in non -performing loans, exceeding the sum of the previous 12 years. It is precisely because we have continued to increase the disposal in recent years that it has provided important support for the current prevention and resolution of financial risks, and also created space for financial development to support the development of the real economy. In December last year, the Central Economic Work Conference clearly pointed out that my country's economy will face the triple pressure of demand contraction, insufficient supply, and expected weakness. In the first half of this year, the economic environment at home and abroad was severe and complex, and the downward pressure on the economy gradually mapped to the financial field.

Liu Zhongrui pointed out that the China Banking Regulatory Commission coordinated the epidemic prevention and control and economic and social development, and promptly introduced the special rescue policy of multiple industries. The enterprise was kept by bailout, and at the same time, it also stabilized the quality of the bank's credit assets. At the same time, we urged the bank to categorize and make full -scale preparations in accordance with the expected credit loss method, vigorously promote the disposal of non -performing assets, and resolutely curb the rapid rebound in the short term of non -performing loans. In the first half of this year, the asset quality of my country's banks maintained a smooth trend as a whole, and the risks were generally controllable. At the end of the second quarter, the balance of non -performing loans of commercial banks was 2.95 trillion yuan, an increase of 106.9 billion yuan from the beginning of the year, and a non -performing loan rate of 1.67%, a decrease of 0.06 percentage points from the beginning of the year. The banking financial institutions continued to increase the disposal of non -performing assets. The cumulative non -performing assets in the first half of the year were close to 220 billion yuan from the same period of the previous year.

Liu Zhongrui said that in the next step, we will take care of the relevant support policies, in -depth research and analysis of risks, properly respond to the rebound of non -performing assets, and continue to urge banks to strictly implement the risks of financial assets and categorize them. In conjunction with the relevant departments, the policy arrangements for the disposal of non -performing assets are continuously optimized, the disposal channels are expanded, the scope of the pilot scope of non -performing loan transfer and batch personal non -performing loan transfer is expanded, and the banks are used to use high -allocating advantages to increase the treatment of non -performing assets. At the same time, actively integrated with relevant departments to accelerate the work of special bonds to supplement the capital of small and medium banks, formulate policies and measures for small and medium -sized banks to dispose of non -performing assets, and urge small and medium banks to strengthen asset quality management and increase bad disposal. (Zhongxin Jingwei APP)

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