By the end of September, 20 15, the total assets, liabilities and owners' equity of the banking industry reached 192.7 trillion yuan, 178.2 trillion yuan and 14.5 trillion yuan respectively, and the overall scale grew steadily. The average asset profit rate and capital profit rate of banking financial institutions reached 1.2% and 16. 1% respectively, and the cost-income ratio of commercial banks decreased to 27.8%, and the quality and efficiency of operations improved steadily. The provision coverage ratio of non-performing loans of commercial banks reached 65,438+090.8%, and the capital adequacy ratio reached 65,438+03.2%, thus enhancing their ability to resist risks. The NPL ratio of banking financial institutions was 65,438+0.9%, which was 0.5 percentage point lower than the end of 2065,438+00, and the overall risk level decreased.
At present, the internal and external environment faced by China's banking industry is undergoing profound changes. We should clearly judge and accurately grasp the situation with a clearer head, seize new opportunities and meet new challenges with greater wisdom and confidence, and solve problems and resolve contradictions with more tenacious patience and courage. The key is to recognize and identify the following opportunities and challenges.
Opportunities and challenges brought by the new economic normal. At present, China's economy is entering the new normal of growth adjustment, structural optimization and power transformation. Although the economic growth rate has been adjusted, the actual growth rate is still considerable, the growth trend will be more stable, the growth momentum will be more diversified, the development prospects will be more stable, and the market vitality will be further released. For the banking industry, on the one hand, the rapid emergence of new technologies, new products, new formats and new business models will certainly provide a broader market space for the development of the banking industry; Optimization of economic structure, industrial transformation and upgrading, and replacement of local government bonds will also create more favorable conditions for the banking industry to revitalize its stock. On the other hand, slowing economic growth and de-capacity, de-inventory and de-leverage may accelerate risk exposure and increase the difficulty of risk management and control.