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                          腾讯分分彩全天计划

                          2019-05-01 17:43:40 来源:-腾讯科技-腾讯网

                          Regulators seek changes in bad debt ratio#标题分割#AclerkcountscashatabankinHuaibei,AnhuiProvince.(PhotoprovidedtoChinaDaily)China'sbankingandinsuranceregulatorsatthelocallevelareencouragingbankstocountloansoverdueby60daysormoreasnonperformingloans,withtheaimofbetterdisclosingtherisksituationofthebankingsectorandurgingbankstofurtherimproveassetquality.Someregulatoryauthoritiesatthelocallevelhaverequestedbankstorecognizeloansoverdueby60daysormoreasnon-performingloans,whichisnotyetaformalregulatoryrequirement,reportedtheBeijing-basedChinaSecuritiesJournal.Currently,theChinaBankingandInsuranceRegulatoryCommissionrequiresbankstoincludeloansoverdueby90daysormoreinNPLs."Bymakingthisadjustment,theregulatorhopesthatbankswillfullyexposetheirnon-performingloansandtrulydisclosetheirrisksituationwithmoreaccuratecapitaladequacyratiosandcoverageratiosofallowanceforloanimpairmentlossestoNPLs.Itwillbefavorableforthemtowriteoffandresolvebadassets,"saidXiongQiyue,aresearchfellowattheInstituteofInternationalFinanceatBankofChinaLtd.Theregulatorytighteningreflectedaprudentialattitude,whichaimstoenhancebanks'resiliencetorisks,headded.ZengGang,deputydirector-generaloftheNationalInstitutionforFinanceandDevelopment,saidtheregulatoryadjustmentwillbenefitbanksintermsofpromotingsteadyandprudentialdevelopment.Itencouragesbankstostrengthenassetqualityandenhanceassetsafetybyincreasingtheirallowancesforloanimpairmentlosses.Althoughnotrulingoutthepossibilityforthepilotprogramtobelaunchednationwide,Xiongsaidtheregulatorwillconsiderthepolicyimpactbycalculatingtheamountofloansoverduebetween60daysand90days,toestimatehowmuchthepolicywillaffectbanks'non-performingloanratiosandthecoverageratiosofallowanceforloanimpairmentlossestoNPLs.Afterlocalbankingregulatorsmaketheadjustment,theNPLratioofcertainbanksmayincreaserapidly.Someofthemmayincreasetheallowanceforloanimpairmentlossestomeetregulatoryrequirements,andsomemaystepuptheireffortstowriteoffbadloans,bothofwhichwillhaveanegativeimpactontheirprofits.Deteriorationofthesefinancialindicatorsmayfurtheraffecttheirbondissuanceandfinancing,hesaid.JohnQu,seniorpartneratMcKinsey,agreedwithXiongthattheregulatoryadjustmentwillhaveanegativeimpactonbankprofits."TheaveragelevelofprofitabilityofChina'sbankingsectorwilldeclineforsure,andwewillseeastrongerdivergenceintheperformanceofbanks.Iexpectthatmergersandacquisitionswilloccurinthebankingsectorinthenextfiveyears,"QusaidwhenMcKinseyissuedareportontheChinesefinancialsectorinlateMarch.Generallyspeaking,theassetqualityoflistedcommercialbanksremainsstablewhilethereareconcernsaboutthebaddebtsofsomesmallandmedium-sizedbanks,saidanalystsandindustryinsiders.GuShu,presidentofIndustrialandCommercialBankofChinaLtd,said:"Weareinpursuitofprudentoperationthatcouldresisteconomiccycles."TheNPLratioofICBC,China'slargestcommerciallenderbyassets,dropped3basispointsyear-on-yearto1.52percentattheendof2018,fallingforeightconsecutivequarters.Duringthesameperiod,ChinaConstructionBankCorpalsorecordedadecreaseinNPLratioby3basispointsto1.46percent.XuYiming,chieffinancialofficerofChinaConstructionBank,said:"AlthoughourNPLratioisstillverylow,wefeelthatitishardtokeepourbadassetsatafairlylowlevel...Oncethemacroenvironmentchanges,ourNPLratiomayrise.Sowemustadheretoprudentoperationsasifwearewalkingonthinice."

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