In the first half of the year, the performance of the listed bank was stable to reflect China's strong economic toughness

Author:Securities daily Time:2022.07.30

30Jul

In the first half of the year, in the first half of the year, in the face of the complicated and severe domestic and foreign situations and the multi -point epidemic disturbance, the mid -term performance of the listed bank was once on the "question mark". However, in July, 12 listed banks, which have disclosed the semi -annual performance of 2022, are using a steady "pace" to respond to all walks of life. Although the number of listed banks that currently announced their performance is limited, each of the "answers" outlines the marks of the banking industry's hard -working development, which is precious, and also reflects the strong toughness of China's economy. This "answer sheet" has continuously improved the quality of assets. The non -performing loan ratio of many local banks has reached a new low since it was listed, reflecting the stable chassis of my country's financial system, and the long -term mechanism of risk prevention and control has become increasingly improved. The bank is stable. Since the beginning of this year, my country's financial field has shown the characteristics of new and old problems. In response, the regulatory authorities should properly respond to the rebound of non -performing assets, stabilize and resolve the risks of small and medium -sized financial institutions, and make forward -looking preparations for external impact. According to data from the CBRC, in the first half of this year, the asset quality of the banks in my country maintained a stable trend as a whole, and the risks were generally controllable. At the end of the second quarter, the non -performing loan ratio of commercial banks was 1.67%, a decrease of 0.06 percentage points from the beginning of the year. On this "answer sheet", the profit level of the banking industry has been steadily improved, and the coordinated development of finance and the real economy. By giving full play to the potential for the reform of the loan market quotation interest rate, the banking industry has taken advantage of the cost of liability for liabilities, and the actual loan interest rate continues to remain near the historical low, further support the decline in loan costs in the real economy, fully optimize the development environment of the enterprise, help market entities reduce the burden, and reduce the burden of market entities. Strong vitality and vitality. "Small and micro -live, economic prosperity", banking financial services have strongly supported the development of small and micro enterprises. According to data from the Ministry of Industry and Information Technology, from January to June, the value -added of small and medium -sized industrial enterprises above designated size increased by 3.7%year -on -year, and the growth rate was higher than the overall industry. The development of SMEs showed a stable trend. In addition, in the second quarter, the "Small and Micro -Enterprise Operation Index" dropped first, and returned to the boom line in June. Thanks to the continuous repair of macroeconomics and the steady development of small and micro enterprises, the banking industry has always maintained the background of steady development. Although it only uses the current performance of listed banks to judge the general trend of economic development, and the sample volume is still insufficient, the coexistence of the financial and real economy is common, and it is still quite rational to see the Chinese economy from the interim performance management of the banking industry. At present, China's economy has displayed a multi -dimensional positive signal, and the banking industry will undoubtedly be "frequently" with it. Opening the macroeconomic data list. In the first half of the year, GDP increased by 2.5%year -on -year. The total profit of industrial enterprises above designated size of the country was 4270.22 billion yuan, an increase of 1%year -on -year; the manufacturing procurement manager index rose to 50.2%in June. It can be believed that the steady development of the banking industry will provide more support for the steady progress of the Chinese economy in the second half of the year.