The Net Profit Of Commercial Banks Exceeded Trillion Yuan In 2011.

According to the data released by the China Banking Regulatory Commission in February 17th, the total assets of China's banking financial institutions in 2011 were 113 trillion and 280 billion yuan, up 18.9% over the same period last year. The net profit of commercial banks exceeded trillion yuan, reaching 10412 billion yuan, a record high. According to this calculation, commercial banks earned an average of about 2 billion 850 million yuan per day last year.

　 Net profit increased by nearly 40% over last year.

According to the classification of China Banking Regulatory Commission, China's commercial banks include large commercial banks, joint-stock commercial banks, city commercial banks, rural commercial banks and foreign-funded banks.

Data show that as of the fourth quarter of 2011, the net profit of commercial banks reached 10412 billion yuan last year, up 36.3% from 763 billion 700 million yuan in the same period last year, of which non interest income accounted for 19.3%, accounting for a decrease compared to the three quarters before 2011. According to this calculation, commercial banks averaged 2 billion 853 million yuan a day last year.

In response to this growth rate, Guo Tianyong, a professor at the school of finance at Central University of Finance and Economics, said in an interview with the newspaper that although the overall profitability of commercial banks was very high, the growth rate was far less than that of 2005 and 2006. At that time, the banking sector's profit growth rate reached 50%-60%, and the growth of some small and medium banks even reached 100%-200%.

　　 Bad loans rebounded slightly

Data released on the same day also showed that in the fourth quarter of 2011, the balance of non-performing loans of commercial banks was 427 billion 900 million yuan, up 20 billion 100 million yuan from the end of the three quarter. The rate of non-performing loans also rose from 0.9% at the end of the three quarter to 1%, but lower than last year's 1.1%.

It is reported that doubtful loans and subordinated loans account for the overwhelming majority of non-performing loans. In the commercial banks, the non-performing loan rates of rural commercial banks and large commercial banks were 1.6% and 1.1%, respectively, higher than the average level. In addition, the provision coverage rate of banking financial institutions increased to 278.1% in the current quarter, the core capital adequacy ratio increased to 10.2%, and the capital adequacy ratio was 12.7%, which was higher than that of the same period last year.

CITIC construction analyst Yang Rong believes that in 2012, China's economic growth center is moving downward, and the regulatory environment of banks needs to be relaxed, especially in terms of capital regulation. There have been media reports that the CBRC will moderately relax the new standard of banking capital adequacy which was originally scheduled for 2012.

　　 Media cumulative calculation "Oolong"

18, it was reported that the net profit of China's commercial banks reached 2 trillion and 650 billion yuan last year, causing online users to argue.

Some scholars pointed out that the report made a statistical error and mistakenly equated the annual profit to the sum at the end of each quarter. The report was deleted.

Han Fuling, a professor at the school of finance at Central University of Finance and Economics, pointed out on micro-blog yesterday that the CBRC statistics are all the end of each quarter's profits. In fact, the data at the end of the fourth quarter are close to the whole year's data, plus a slight adjustment of the investment income. The report, taking the data at the end of the four quarter as a simple addition to the four quarter's profits, drew an astonishing figure of 2 trillion and 650 billion yuan a year.

　　 extend

　　 The "profiteering" of banking industry is attracting more attention.

The news that commercial banks lost profits last year once again aroused public concern about the "profiteering" problem of the banking sector. Prior to this, Minsheng Bank governor Hongqi said in the "2011 Global Entrepreneur Summit Forum" that bank profits were too high, and they were "embarrassed" to announce them. Chen Yongjie, Deputy Secretary General of China International Economic Exchange Center, said that the average net profit of mainland banks was 12 times that of industrial enterprises.

Guo Tianyong had told this newspaper that since the beginning of China's banking reform in 2003, the entire banking sector has seen rapid growth. Because of the high entry threshold and the lack of marketization of interest rates, the banking sector is relatively strong, and there is a relative monopoly problem. However, its high profitability also has some rationality and relativity.

He believes that in order to change the profiteering situation of the banking sector, we should break the monopoly of state-owned commercial banks and large banks, reduce the entry threshold of financial institutions, and promote the marketization of interest rates on the other hand. However, at present, it is difficult for the interest rate marketization reform to take place overnight. The banking industry can consider reducing bank spreads to balance the interests of all parties, such as reducing the spread of banks by 0.5%-1% through unilateral or bilateral interest rate cuts, and transferring some of the profits to enterprises or residents.