In addition, it is worth noting that the non-performing loan ratio in Gansu and Dalian is still high, with the non-performing loan ratio of all financial institutions in Gansu reaching 6.74%.
More than 80% of the areas have reduced the non-performing rate.
Recently, Guo Shuqing, Chairman of the China Banking Regulatory Commission, pointed out at the press conference of the State Council Office that in 2020, the banking industry has begun to increase the disposal of non-performing loans. The disposal of non-performing loans exceeded 3 trillion yuan, an increase of 700 billion yuan over the previous year. 202 1 the scale of non-performing loans that may need to be disposed of will increase, and this trend will even continue into next year.
Judging from the decline, Shandong and Dalian exceeded 1 percentage point. Among them, at the end of February, 65438+2020, the balance of non-performing loans of banking financial institutions in Shandong was1713.86 million yuan, a decrease of 52 106 million yuan compared with the beginning of the year; The NPL ratio was 2.23%, down 1.05 percentage points from the beginning of the year.
From the perspective of first-tier cities, by the end of 2020, the NPL ratio of financial institutions in Beijing is the lowest, at 0.55%, while the NPL ratios of banking financial institutions in Shanghai and Shenzhen are 0.79% and 1.48% respectively. Among them, the non-performing loan ratio in Shanghai decreased by 0.65,438+04 percentage points compared with 2065,438+09, and the balance of non-performing loans decreased by about 68%.
In addition, the non-performing loan ratio in Hebei, Shanxi, Jiangsu, Jiangxi and other regions has also declined.
The NPL ratio in Gansu and other places is still high.
According to statistics, areas where non-performing loans have risen include Tianjin, Hainan and Zhejiang. Among them, the NPL ratio in Tianjin has risen relatively, from 2.29% in the fourth quarter of 20 19 to 3.04% in the fourth quarter of 2020, up by 0.75 percentage points.
Tianjin Banking Insurance Regulatory Bureau recently held a meeting to summarize that in 2020, Tianjin disposed about 654.38+00.43 billion yuan of non-performing assets, completing 654.38+040% of the disposal tasks, the shadow banking business continued to converge, and P2P online lending risk institutions realized liquidation. The meeting held that the banking and insurance industries in Tianjin are generally operating smoothly and all risks are generally controllable, but the financial situation is still complicated and severe, which needs to be seriously dealt with and properly handled.
According to public data, the non-performing loan ratio in Gansu and Dalian is still high. By the end of 2020, the NPL ratio of all financial institutions in Gansu reached 6.74%, but the NPL ratios of large commercial banks, joint-stock banks and city commercial banks in Gansu were 1.82%, 2.6% and 2% respectively. Even so, the non-performing loan ratio in Gansu has improved compared with 20 19 years. In the fourth quarter of 20 19, the NPL ratio of all financial institutions in this region was 7.86%, which was 1. 12 percentage points lower than that in 2020.
As far as Dalian is concerned, by the end of 2020 12, the non-performing loan ratio of banks within its jurisdiction has reached 4.85%, but it has decreased by 1.78 percentage points compared with 6.63% in 20 19 last year. By the end of 2020, the balance of non-performing loans of banks within the jurisdiction was 62.942 billion yuan, down 200.43% from the beginning of the year.
Second, the bank's non-performing loan ratio has risen sharply, which means that there are investment opportunities for the disposal of non-performing assets. ...
I don't think so