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Analysis:
The basic standard of loan provision ratio is 2, and the basic standard is 150%.
Second, the provision coverage ratio.
China Banking Regulatory Commission issued a document on June 5438+00, requiring banks to transfer all off-balance-sheet assets in the previous banking-trust wealth management cooperation business to the balance sheet within two years, and make provision according to the provision coverage ratio of 150%. Analysts pointed out that if the credit line remains unchanged in the second half of the year, the CBRC will require banks to transfer Yin Xin's wealth management assets to their balance sheets, which will reduce the room for new credit growth in the future.
The document requires large banks to withdraw capital according to the capital adequacy ratio of 1 1.5%, and small and medium banks to withdraw capital according to the capital adequacy ratio of 10%; Trust companies implement balance ratio management for financing bank-trust financial cooperation business, that is, the balance of financing business accounts for no more than 30% of the balance of bank-trust financial cooperation business; Trust companies that exceed the above ratio shall immediately stop their business until they meet the prescribed ratio requirements.
Analysts believe that Yin Xin will transfer all wealth management assets to its balance sheet within two years, which will accelerate the capital consumption of commercial banks. Since the second half of the year, commercial banks have refinanced their capital through various channels. The market generally believes that the capital of commercial banks can meet the business development and capital consumption in the next 2-3 years after the latest round of financing. However, "with the off-balance sheet assets incorporated into the table, the risk-weighted assets of commercial banks will expand." Even if a risk weight of 50% is given, considering that the stock size of the bank-trust cooperative wealth management products is 2.8 trillion yuan, commercial banks need to withdraw more capital of 654.38+04 billion yuan. " A bank analyst said.
Guo Tianyong, a professor at the Central University of Finance and Economics, said in an interview with the media that transferring off-balance-sheet assets to on-balance-sheet assets, with a provision coverage ratio of 150%, will drag down the profit growth of commercial banks, especially the profit of intermediary business. Affected by this news, 10 bank shares fell across the board, and the bank index fell by 2.29%.
In addition, the China Banking Regulatory Commission requires trust companies to carry out banking-trust financial cooperation business, and the term of trust products shall not be less than 1 year. Moreover, commercial banks and trust companies carry out investment-oriented banking-trust financial cooperation business, and their funds shall not be invested in the equity of unlisted companies in principle. In order to control commercial banks to issue off-balance-sheet credit on a large scale in the form of bank-trust cooperation, the CBRC stopped the bank-trust cooperation business in early July.
3. What does the bank provision coverage mean?
To put it simply, because banks lend money to enterprises or individuals, there must be some people who fail to pay the money, and the money that is not paid will become bad debts of banks. Bad debts should be written off and written off from a part of the bank's net profit. This is the so-called bank provision coverage ratio. Under normal circumstances, the provision coverage ratio is only 100%, which means that as long as there is provision for bad debts, banks will have many unpredictable situations.
In addition, it should be mentioned that some banks make more money in some good macroeconomic years, and they will make more provision coverage. When the years are bad and there is little money, in order to beautify the financial statements and stabilize the stock price, they will use the original provision coverage ratio to make net profit. This is more obvious in Shanghai Pudong Development Bank and Minsheng Bank.
The provision coverage ratio is an important indicator of a bank, which examines whether the bank's finances are sound and whether the risks are controllable.
4. In what year did China Banking Regulatory Commission promulgate the Measures for the Administration of Loan Loss Reserves of Commercial Banks, which set the provision coverage ratio and loans?
On 20 1 1 year, the CBRC promulgated the Measures for the Administration of Loan Loss Reserves of Commercial Banks, and set two indicators, namely, provision coverage ratio and loan provision ratio, to assess the adequacy of loan loss reserves of commercial banks.