钻石国际

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再点商业银行不良 银保监会疫后首场发布会说了啥?


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钻石国际JIYANGXINGFAWENCHENGHOUQIYINXINGHUOMIANLINGENGDABULIANGCHUZHIYALIHOU,YINBAOJIANHUIYIQINGHOUSHOUCHANGFABUHUIDEJIAODIANZHIYI,YESHIYINXINGZICHANZHILIANGWENTI。6YUE4RIFABUHUISHANG,YINBAOJIANHUIQIANGDIAO,JINNIANYAOYOUXIAOYINGDUIYINXINGBULIANGZICHANFANDAN,JIANJUEZHILIGEZHONGFENSHIBAOBIAODEXINGWEI。

YUANBIAOTI:ZAIDIANSHANGYEYINXINGBULIANG YINBAOJIANHUIYIQINGHOUSHOUCHANGFABUHUISHUOLESHENME?

银保监会强调,今年要有效应对银行不良资产反弹,坚决治理各种粉饰报表的行为。

JIYANGXINGFAWENCHENGHOUQIYINXINGHUOMIANLINGENGDABULIANGCHUZHIYALIHOU,YINBAOJIANHUIYIQINGHOUSHOUCHANGFABUHUIDEJIAODIANZHIYI,YESHIYINXINGZICHANZHILIANGWENTI。6YUE4RIFABUHUISHANG,YINBAOJIANHUIQIANGDIAO,JINNIANYAOYOUXIAOYINGDUIYINXINGBULIANGZICHANFANDAN,JIANJUEZHILIGEZHONGFENSHIBAOBIAODEXINGWEI。

YOUZHUANJIAFENXIRENWEI,“(YINXINGBULIANG)HUIYOUXIAOFUDESHANGSHENG。”YEYOUSHOUFANGRENSHIBIAOSHI,DANGQIANCHUTAIDEHUOBIZHENGCE、CAIZHENGZHENGCEDOUBIJIAODAOWEI,KEHUANCHONGYIDINGFENGXIAN,YINXINGZICHANZHILIANGYOUYALI,DANBUBIGUOYUBEIGUAN。 

一季度银行不良率表现如何?

全国不良率为1.91%,北京仅为0.6%

钻石国际JUYINBAOJIANHUI5YUEZHONGXUNPILU,2020NIANYIJIDUMO,SHANGYEYINXING(FARENKOUJING,XIATONG)BULIANGDAIKUANYUE2.61WANYIYUAN,JIAOSHANGJIMOZENGJIA1986YIYUAN;SHANGYEYINXINGBULIANGDAIKUANLV1.91%,JIAOSHANGJIMOZENGJIA0.05GEBAIFENDIAN。ANDAIKUANFENLEIKAN,SHANGYEYINXINGZHENGCHANGDAIKUANYUE134WANYIYUAN,QIZHONGZHENGCHANGLEIDAIKUANYUE130WANYIYUAN,GUANZHULEIDAIKUANYUE4.1WANYIYUAN。

钻石国际6YUE4RIFABUHUISHANG,BEIJINGYINBAOJIANJUDANGWEISHUJI、JUZHANGLIMINGXIAOGONGBUDESHUJUXIANSHI,YIJIDUMOBEIJINGYINXINGYEBULIANGDAIKUANLV0.6%,4YUEMOXIAOFUSHANGSHENGZHI0.61%。“WOMENZAIQUANGUORENGRANSHILINGXIANDE,BOBEIFUGAILVSHI372%,ZHANXIANCHUJIAOQIANGDERENXINGHEKANGFENGXIANNENGLI。”

GEJIAYINXINGYINZHUYAOKEHUSUOSHUXINGYE、KEHUJIEGOUDENGBUTONG,MIANLINDEZICHANZHILIANGYALIYEBUYIYANG。XINJINGBAOJIZHESHANGZHOUZOUFANGBEIJINGBUFENYINXING,QIZHONG,BEIJINGYINXINGXIAOQIYEBUMENXIANGGUANRENYUANBIAOSHI,GAIXINGXIAOWEIKEHUZHONGDIANKEHUQUNTIWEIKEJI、WENHUALEIXIAOWEIQIYE,KEJIQIYEZHENGTIJINGYINGQINGKUANGXIANGDUIPINGWEN,WENHUAQIYEZHONG,SHEJICANYIN、WENLVXINGYEDEXIAOWEIQIYE,SHOUYIQINGYINGXIANGERDAOZHIDEJINGYINGWENTIBIJIAOTUCHU,GAIXINGDUIZHEILEIQIYETONGGUODUOZHONGFANGSHITIGONGZIJINZHICHI,YOUDETONGGUOKUODABUFENXINDAIBANGQIYEDUGUOJIEDUANXINGKUNNAN,YOUDETONGGUOWUFENGXIANJIEWANCHENGXUDAI,BAOZHENGQIYELIUDONGZIJINZHOUZHUAN。JIEZHI2019NIANMO,BEIJINGYINXINGBULIANGDAIKUANLVWEI1.4%。

钻石国际“YINXINGHUAIZHANGQUESHIYOUZHIHOUFANYING,DANBUSHISUOYOUYINXINGBULIANGLVDOUBIRANSHANGSHENG。”GONGSHANGYINXINGBEIJINGSHIFENXINGXIANGGUANFUZERENGAOSUXINJINGBAOJIZHE,YOUDEQIYEZIJINLIUYISHIYUDAOWENTI,JITADAIKUANZHANQITAHUOXUJIUNENGHUO;YOUDEQIYESHIZIJINCHENGBENGAO、LIRUNLVBO,JITAJIANGDIZIJINCHENGBEN,BANGTAZUOYIXIEGAISHAN,TAHUOXUYEJIUNENGTINGGUOQU。JULEJIE,GONGXINGBEIFENHAIZAILUXUSHOUHUIBULIANGDAIKUAN,YUJIJINNIANBULIANGLVHUIBAOCHIWENDING。

DANYOUDEYINXINGCIQIANYIBEIFULEBUXIAODEHUAIZHANGYALI。RUJILINYINXINGBULIANGDAIKUANLVZI2015NIANKAISHILIANXU4NIANSHANGSHENG,2019NIANMODADAO4.31%,BUJINBIJINJIANGUANFANG5%YIXIABIAOZHUNZHIDEYAOQIU,QIEGAOYUTONGQICHENGSHANGXINGBULIANGDAIKUANLV2.245%DEPINGJUNZHI。GAIXINGBOBEIFUGAILVYEZI2018NIANQILIANXULIANGNIANDIYU150%DEJIANGUANHONGXIAN。DUICI,JILINYINXINGYEZAIJIJIYINGDUI,TONGGUOSIFAQINGSHOU、DAIZHANGHEXIAO、JIADADAIKUANZHONGZUJIZHAIQUANZHUANRANGCHUZHIDENGFANGSHILAIHUAJIEBULIANG。

银行资产质量压力是否会爆发?

专家:当前政策可缓冲一定风险,对银行资产质量不必过于悲观

YIQINGMIANQIAN,SHITIHEJINRONGTIXISHIBIYAOTONGZHOUGONGJI。YANGXINGFUXINGZHANGPANGONGSHENGRIQIANBIAOSHI,YINXINGDEXINDAIZICHANZHILIANGYUSHICHANGZHUTIJINGYINGZHUANGKUANGHEJINGJIZENGZHANGZHUANGKUANGSHIXIANGHUYICUN、XIANGHUYINGXIANGDEGUANXI,RUGUORENYOUSHICHANGZHUTIDAOBI,JINGJIKENENGYEHUISHISU,YINXINGDEXINDAIZICHANZHILIANGYEHUIEHUA。

ZHENGFUGONGZUOBAOGAOTICHU,ZHONGXIAOWEIQIYEDAIKUANYANQIHAIBENFUXIZHENGCEZAIYANZHANGZHIMINGNIAN3YUEDI,DUIPUHUIXINGXIAOWEIQIYEDAIKUANYINGYANJINYAN,DUIQITAKUNNANQIYEDAIKUANXIESHANGYANQI。DANDUIYINXINGERYAN,YIWEIZHEKENENGMIANLINLIRUNBEIQINSHIHEBULIANGCHENGYA。

钻石国际DUICI,GUOJIAJINRONGYUFAZHANSHIYANSHITEPINYANJIUYUAN、XINWANGYINXINGSHOUXIYANJIUYUANDONGXIMIAODUIXINJINGBAOJIZHEBIAOSHI,ZHITANYINXINGDEBULIANGDAIKUANDEZOUSHIQINGKUANG,YIYIBUSHIHENDA。TAQUJUEDUOZHONGYINSU,BAOKUOJIGOUZISHENBULIANGDAIKUANCHUZHIDELIDU,YEYUZHENGCECENGMIANYOUGUANXI。“RUGUOYIDINGYAOSHUODEHUA,WOJUEDEHUIYOUXIAOFUDESHANGSHENG。”

ZAIDONGXIMIAOKANLAI,YINXINGYEFANGFANFENGXIAN、HUAJIEBULIANGBINGBUSHISHENMEXINWENTI,YINWEIFENGXIANGUANLISHIYINXINGYEYONGHENGDEZHUTI。“ZHEIXIEGONGZUOBENLAIJIUSHIYINXINGRICHANGDE‘GUIDINGDONGZUO’,ZHISHIXIANZAIYINWEIJINGJIXIAXINGZHOUQIDIEJIAYIQINGDEYINGXIANG,YALIHUIGENGDAYIXIE。MUQIAN,HAIBUXUYAOZHUANMENDEYINGDUIFANGAN,YINWEIYINGDUIFANGANYIZHIDOUYOU。”

钻石国际ZHONGYANGCAIJINGDAXUEYINXINGYEYANJIUZHONGXINZHURENGUOTIANYONGDUIJIZHEBIAOSHI,YIQINGYINGXIANGQIYEBIJIAODUO,YOUXIEDAIKUANBURANGCUISHOU,SUOYIWEILAISHANGYEYINXINGZICHANZHILIANGYALIHAIBIJIAODA。DANTONGSHI,YOUYUHUOBIZHENGCE、CAIZHENGZHENGCEDOUFALIBIJIAODAOWEI,RUYANGXINGCHUANGSHEXINGONGJUJIADAXIAOWEIQIYEXINDAITOUFANG、CAIZHENGXINZENG2WANYIZIJINWEIQIYESHUKUNDENG,DUIYOUKENENGFASHENGDEFENGXIANQIDAOYIDINGHUANCHONGZUOYONG,SUIRANYINXINGYALIHENDA,YEBUNENGGUOYUBEIGUAN。

SUNINGJINRONGYANJIUYUANGAOJIYANJIUYUANHUANGDAZHIBIAOSHI,YINXINGBULIANGBAOLUBENSHENYOUYIDINGZHIHOUXING,RUZHENGCHANGQINGKUANGXIA,YIBIDAIKUANYUQI60TIANHUO90TIANCAIHUINARUBULIANG,YIQINGQIJIANJIANGUANYOUCHUTAILEHENDUOYANQIHAIBENFUXIDEZHICHIZHENGCE,TIGONGLEGENGZHANGDEHUANCHONGQI,FENGXIANBAOLUDESHIDIANYEHUIYINCIYANHOU。

钻石国际QISHIYINXINGYESHANGYILUNBULIANGLVBAOFAJULIXIANZAIYEBUSUANYAOYUAN。YINXINGYEZI2003-2013NIANJINGLILEGAOSUFAZHANDEHUANGJINSHINIANHOU,2014NIANQIANHOUCENGCHUXIANGUOYILUNBULIANGSHANGZHANG,YOUGUOYOUDAXINGBOBEIFUGAILVYEYIDUDIEPOHONGXIAN,BUGUOJINNIANYINXINGYEZICHANZHILIANGBAOWEIZHANCHENGXIAOJIAOHAO。“SUIZHEJINRONGKEJIDEFAZHAN,YINXINGFENGKONGSHOUDUANYEGENGJIANQUAN,RUHENDUOYINXINGJIANLILEDASHUJUZHONGXIN,DAIHOUGUANLIDENGGENGWEIJINGZHUN,DUIKEHUDEFENCENGFENJIGENGDAOWEI。”HUANGDAZHICHENG。

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钻石国际DANGQIANYINXINGYEFANGFANFENGXIAN、JIANGDIBULIANGDEYALIRENGRANJIAODA。CHUZHICUNLIANGBULIANGDAIKUAN、EZHIXINZENGBULIANGDAIKUAN,CHENGWEIDANGWUZHIJI。DONGXIMIAORENWEI,YAOZHENZHENGHUAJIEYINXINGDEXINDAIZICHANZHILIANGYALI,HAIXUBIAOBENJIANZHI。JIYAOJIANCHISHICHANGHUAGAIGEQUXIANG,TUIDONGCHANYEZHUANXINGSHENGJI,YOUQISHIYAOJIAKUAIGUOYOUQIYEGAIGE,YINGHUAQIYUSUANYUESHU。TONGSHI,YAOJIAKUAIJINRONGGAIGEBUFA,JIANSHEDUOCENGCIZIBENSHICHANGTIXI,TUOKUANQIYERONGZIQUDAO,JIANGDIDUIYINXINGTIXIDEYILAI。

如何防范化解重大金融风险?

银保监会:有效应对银行不良资产反弹放首位 拒绝粉饰报表行为

钻石国际JINNIANSHIFANGFANHUAJIEZHONGDAJINRONGFENGXIANGONGJIANZHANDESHOUGUANZHINIAN,ZAIXINGUANFEIYANYIQINGCHONGJIXIA,RENWUGENGJIAFUZAJIANJU。TANDAOJINNIANJIANGCAIQUNAXIECUOSHIQUEBAODAYINGFANGFANHUAJIEZHONGDAJINRONGFENGXIANGONGJIANZHANSHI,YINBAOJIANHUITIDAODEDIYIDIANJIUSHI:YOUXIAOYINGDUIYINXINGBULIANGZICHANFANDAN。

YINBAOJIANHUIBIAOSHI,JIANJUEZHILIGEZHONGFENSHIBAOBIAODEXINGWEI,DUCUYINXINGZUOSHIZICHANFENLEI、ZHENSHIBAOLUBULIANG、ZUEJITIBOBEI。SHUTONGBULIANGZICHANHEXIAO、PILIANGZHUANRANGJIDIZHAIZICHANCHUZHIDENGZHENGCEDUDIAN,ZHIDAOYINXINGCAIYONGDUOZHONGFANGSHIJIADABULIANGCHUZHI。

ERZAIJINRONGTIXIZHONG,ZHONGXIAOYINXINGXUYAOTEBIESHOUDAOGUANZHU。QUANGUOZHENGXIEWEIYUAN、ZHONGGUOZHENGJIANHUIYUANZHUXIXIAOGANGRIQIANCANJIAXINJINGBAOLIANGHUISHALONGSHIZHICHU,ZHONGXIAOYINXINGDEZIBENSHILIBUGOU,BULIANGZICHANDEBILVXIANGDUIBIJIAOGAO,YOUCHENGDANZHEJIADAZHICHIXIAOWEIQIYELIDUDEZHONGYAORENWU,RUHEZAIZHEIZHONGQINGKUANGXIAZUOHAOFENGXIANPINGHENG,DUIYUZHONGXIAOYINXINGLAISHUONANDUGENGDA。

“YAODUOZHONGQUDAOBUCHONGZHONGXIAOYINXINGZIBEN。”YINBAOJIANHUIBIAOSHI,GULICAIQUSHICHANGHUAFANGSHIYINJINTOUZIZHE,BAOKUOWAIZIHEMINYINGQIYE,GULIYIFAHEGUIDEJIANBING、ZHONGZUHEGUQUANTOUZI。TONGSHIYEJIJITUIDONGZENGQIANGYINXINGNEIYUANXINGZIBENBUCHONGNENGLI,TISHENGZIBENSHIYONGXIAOLV。ZHICHIYINXINGTONGGUOFAXINGPUTONGGU、YOUXIANGU、WUGUDINGQIXIANZIBENZHAIQUAN、ERJIZIBENZHAIDENGFANGSHI,TUOKUANZIBENBUCHONGQUDAO。GULIDIFANGZHENGFUTONGGUODUOZHONGFANGSHICHOUJIZIJINBANGZHUZHONGXIAOYINXINGBUCHONGZIBEN。

此外,银保监会还提出要依法依规处置高风险金融机构、持之以恒整治影子银行、推动互联网金融风险市场出清、严厉打击金融腐败和违法犯罪。

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