The Banking Regulatory Commission Said The Total Assets Of The Banking Industry Broke 100 Billion.

China

According to the data released by the CBRC, as at the end of 3 in 2011, China's commercial banks realized a net profit of 263 billion 500 million yuan, and the total amount of the consolidated foreign currency assets inside and outside the banking financial institutions amounted to about 101 trillion and 200 billion yuan, an increase of 18.9% over the same period last year.

In the "billion"

In 2010, China's banking industry achieved the largest scale of financing in history. 14 of the 16 listed banks completed financing, raising a total of more than 341 billion 300 million yuan.

While the assets of banking financial institutions soar, asset quality is also improving.

In the first quarter of 2011, the balance of non-performing loans of commercial banks in China was 433 billion 300 million yuan, 300 million yuan lower than the end of last year, and the rate of non-performing loans was 1.1%, which was the same as that at the end of last year.

But after the brilliant performance, we can still feel the pressure of the banking industry in the future.

At present, the interest rate liberalization and the financial disintermediation of large enterprises continue to push forward. The pressure of commercial banks' loan income is increasing. Many banks change their management structure and explore the pformation of business.

ICBC, Bank of China and other large commercial banks take the initiative to increase the size of loans for small and medium enterprises, and claim that there is no upper limit to advance the "blue ocean" of small and medium-sized enterprises.

At the same time, part of the joint-stock commercial banks also rely on the advantages of the mixed operation of the group. They join hands with the securities and insurance agencies of the group to exert the linkage effect to solve the current problem of capital shortage and jointly deal with risks.

According to the data released by the CBRC, the total assets of large commercial banks totaled 49 trillion and 800 billion yuan, an increase of 13.8%, and the total assets of joint stock commercial banks increased by 15 trillion and 900 billion yuan, an increase of 25.2%.

At the same time, regulators have issued new regulations, and liquidity regulation has been steadily increasing. The banking sector, which has already achieved some success, faces many challenges this year.

On the evening of 12 nights, after the central bank raised the deposit reserve rate for the eleventh time since 2010 and raised 0.5 percentage points, the deposit rate of large banks hit a record high of 21%, and the number of small and medium financial institutions will reach 17.5%.

In this year's deposit pressure is obviously higher than last year's situation, commercial banks liquidity management is facing a big exam.

Central bank data show that in April, RMB deposits increased by 337 billion 700 million yuan, a decrease of 832 billion 500 million yuan compared with the same period last year, of which the net deposit of residents decreased by 467 billion 800 million yuan.

In addition, the daily average loan to loan ratio monitoring will be formally implemented in June, which is quite a blow to commercial banks accustomed to rushing to borrow money.

According to the insiders, under the aggravation of the pressure of deposit competition, the war of storage and storage will become more and more intense. Strengthening the liquidity supervision by regulators will force banks to strengthen the daily management and meticulous operation of liquidity.

While commercial banks' liquidity is "ischemic", capital "ischemia" is also increasingly prominent.

In the first quarter of this year, the capital adequacy ratio of commercial banks was 11.8%, and the core capital adequacy ratio was 9.8%, which was 0.4 and 0.3 percentage points lower than that at the end of 2010.

Recently, the new regulation issued by the CBRC suggested that under normal conditions, the capital adequacy ratio of systemically important banks and non systemically important banks should not be less than 11.5% and 10.5% respectively.

The regulatory requirements for capital adequacy ratio of small and medium-sized banks increased by 0.5% over the past. Small and medium-sized banks will feel the pressure of financing.

Although the CBRC said that major domestic banks have reached new regulatory standards, commercial banks do not need to replenish capital on a large scale.

But in the long run, in order to support sustained economic growth, the scale of bank credit needs to maintain a certain rate of growth, and commercial banks inevitably face capital supplementary demand.

The industry said that to solve the problem of "financing vicious circle", the financial system needs to be comprehensively reformed.

"We can further increase the proportion of direct financing and reduce the pressure of credit supply, so that banks can focus more on pformation, revitalize assets and increase intermediate business income."

Zong Liang, deputy manager of Bank of China's strategic development department, suggested.

In addition, the data released show that the total assets of urban commercial banks amounted to 8 trillion and 100 billion yuan, an increase of 34.4%, far exceeding the growth of assets of large banks and joint-stock commercial banks.

Therefore, some people worry about the rapid expansion of the assets of the city commercial banks.

Guo Tianyong, a professor at Central University of Finance and Economics, believes that the regulatory authorities will make a post assessment of the future in terms of capital level, corporate governance, risk control capabilities and IT construction, and carefully promote the cross regional operation of the city commercial banks.

Before that, regulators also warned many times about the extensive management of loans, the high concentration of medium and long term loan industry, the difficulty of clearing up financing platform loans, and irrational factors in the real estate market, which aroused widespread concern of banks and markets.

After breaking through the "billion billion" mark, China's banking industry needs to operate prudently if it wants to continue its achievements, so as to further enhance the level of refinement of risk control and management.