Non-performing loan ratio refers to the proportion of non-performing loans of financial institutions to the total loan balance.
Non-performing loans are divided into five categories according to the risk basis: normal, concerned, secondary, suspicious and loss, of which the latter three categories are collectively referred to as non-performing loans.
Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage.
Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, macro-control the national economy, supervise and manage financial institutions and even specialized financial institutions in the financial industry.
Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: Financial institutions that participate in or guarantee shares, engage in policy financing activities directly or indirectly in specific business areas for non-profit purposes, and serve as tools for the government to develop the economy, promote social progress and conduct macroeconomic management.
Commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications. Responsibilities: Financial institutions that act as credit intermediaries through deposits, loans, remittances and savings. Commercial banks are one of the most important financial institutions, and their main business scope includes absorbing public deposits, issuing loans and discounting bills.
Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, Societe Generale, etc. Responsibilities: Non-bank financial institutions engaged in securities issuance, underwriting, trading, enterprise restructuring, mergers and acquisitions, investment analysis, venture capital, project financing, etc.
The asset scale and after-tax profit of China's banking industry have increased substantially year by year. 20 1 1 year, the profits realized by China's banking industry account for nearly one third of the total profits of the global banking industry. The scale of China's banking industry is developing rapidly, but under the background of accelerating interest rate marketization, intensifying internal and external competition and declining profit growth, banking financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout.