In addition, the China Banking and Insurance Regulatory Commission will intensify anti-corruption efforts in the financial sector to promote the healthy development of the banking and insurance industries.
Clarify nine key points of risk prevention in 2020.
According to the person in charge, the key points of this year's work to prevent and resolve financial risks include: First, properly handle high-risk institutions, compact the responsibilities of all parties, and do a good job in coordination and policy guidance. Second, vigorously reduce the high-risk shadow banking business to prevent resurgence. Third, continue to strengthen the disposal of non-performing assets and improve the accuracy of asset classification. Fourth, resolutely implement the requirement of "no speculation in housing" and continue to curb the real estate financial bubble. Fifth, under the premise of stabilizing the overall situation, financial groups that violate laws and regulations should be seriously investigated and dealt with, and efforts should be made to clean up assets, recover losses, and reform and reorganize. The sixth is to further promote the special rectification of peer-to-peer lending and strengthen the supervision of Internet insurance. Seventh, continue to make efforts to cooperate with local governments to deepen the reform and restructuring of state-owned enterprises, speed up economic restructuring, and resolve hidden debt risks. Eighth, effectively prevent and resolve the risk of external shocks and stabilize market expectations. Nine is to further make up for the shortcomings of supervision, increase the use of supervision technology, accelerate the construction of supervision big data platform, and effectively improve the supervision ability and level.
At the same time, the CBRC will focus on the areas that are greatly affected by the epidemic and the risks may rise, carefully evaluate and make preparations in advance to effectively safeguard the overall situation of economic development and social stability.
Deepen the anti-corruption work in the financial field
The person in charge said that the current situation of the anti-corruption struggle in the financial sector is still severe and complicated. Party committees and disciplinary committees at all levels of the CBRC will deepen anti-corruption work in the financial sector and provide a strong disciplinary guarantee for winning the tough battle to prevent and resolve financial risks.
First, highlight the key points of handling cases, strengthen deterrence, and focus on investigating the problems of interest transfer and regulatory failure behind major risk events, especially those who undermine the regulatory order and market order, causing heavy losses to state-owned financial assets and even inducing risk events, all of them will go to hell. Improve the management system and resolutely control the problem of "financial local products". Insist on investigating and dealing with bribery, resolutely crack down on the "black triangle" of corruption in which regulators, employees of financial institutions and unscrupulous business owners collude with each other, and cut off the interest chain of "hunting" and "willing to be hunted". Do a good job in epidemic prevention and control supervision according to the current situation, and give priority to handling letters and visits related to epidemic prevention and control.
Second, make full use of the "four forms" policies and strategies, treat them differently, temper justice with mercy, and encourage people with problems to clarify on their own initiative; Those who voluntarily surrender shall be given a lighter punishment according to the law; Investigate the false accusation and frame it in the end and clarify it in time to set the record straight.
Third, by tackling the root causes and highlighting the "second half", deepen political inspections, carefully sort out the shortcomings and loopholes in the supervision system, internal control and industry management related to the case, strengthen the investigation of clean government risks, and standardize the operation of power. Do real case warning education, repair the political ecology of the financial system, and constantly improve the endogenous motivation of financial anti-corruption.
The credit risk of some institutions continues to accumulate.
The person in charge said that in the past year, high-risk institutions such as Baoshang Bank handled smoothly and orderly, local and structural liquidity risks of small and medium-sized banks were steadily resolved, market discipline was strengthened, and risk spread was prevented. In addition, in 20 19 years, high-risk agricultural cooperative institutions were disposed of 109, and the number of high-risk institutions decreased steadily.
At present, the overall operation of small and medium-sized banks is stable, with abundant liquidity and controllable risks. By the end of the first quarter of 2020, the national 134 city commercial banks had total assets of 38. 1 trillion yuan, total liabilities of 35.3 trillion yuan, non-performing loan ratio of 2.49%, provision coverage ratio of 147.65% and capital adequacy ratio of 12.65%. Small and medium-sized rural banks have total assets of 39. 1 trillion yuan, total liabilities of 36 trillion yuan, non-performing loan ratio of 4.9%, provision coverage ratio of 107.4% and capital adequacy ratio of 12.2%.
Since the beginning of this year, the quality of credit assets of small and medium-sized banks has been under pressure, and credit risks of some institutions have continued to accumulate. The task of risk disposal is heavy, and individual institutions are facing certain pressure of liquidity tension and balance.
Prevent shadow banking from rebounding.
After more than two years of continuous promotion and supervision, the scale of shadow banking has been shrinking and the risk level has dropped significantly. By the end of the first quarter of 2020, the balance of interbank wealth management was 846 billion yuan, down 87% from the beginning of 20 17. The effectiveness of China's rectification of shadow banking has been closely watched and highly praised by the international financial community.
The person in charge said that in the next step, we will continue to strengthen the supervision of shadow banking on the basis of the previous work to prevent the shadow banking from rebounding.
First, promote the construction of laws and regulations, strengthen the implementation of policies, guide the high-quality development of trust companies, and standardize the development of wealth management business.
The second is to strengthen on-site inspection and strictly correct violations. Review 20 18 deepening the rectification of market chaos, self-inspection and supervision and inspection, and the accountability for rectification of problems found. Seriously investigate and deal with violations in wealth management business, interbank business, off-balance sheet and cooperative business.
The third is to strengthen supervision and cooperation and form a joint force of supervision. Strengthen information communication and policy coordination with the People's Bank of China, the China Securities Regulatory Commission and other relevant departments, improve the synergy, predictability and effectiveness of cross-industry supervision, form a joint force of supervision, ensure that cross-industry and cross-market shadow banking business is "visible, manageable and manageable", and firmly hold the bottom line of no systemic risk.
Continue to increase the disposal of non-performing loans.
In the first quarter, China's real economy was negatively affected by the epidemic, the stock of non-performing loans in commercial banks increased substantially, and the non-performing rate rebounded rapidly. At the end of the first quarter of 2020, the non-performing loans of commercial banks were 2.6 trillion yuan, an increase of 654.38+0986 billion yuan over the end of the previous year; The NPL ratio was 65,438+0.965 and 438+0%, up by 0.05 percentage point. In the first quarter of 2020, commercial banks disposed of 405.5 billion yuan of non-performing loans, 72.6 billion yuan more than the same period last year.
In the next step, the CBRC will further strengthen supervision and guidance, optimize the policy environment, continue to promote the disposal of non-performing loans in the banking industry, and continue to increase the disposal of non-performing loans. Combined with the actual situation of each institution, the differentiated annual disposal target is reasonably determined. Continue to strengthen communication with finance, taxation, justice, the People's Bank of China and local financial supervision departments, promote the combination of policy unblocking, innovate disposal methods, and improve disposal efficiency. Deepen the reform of financial asset management companies. Guide financial asset management companies to focus on the main business of non-performing assets disposal and play the role of the main channel for disposal. Support local asset management companies to increase the acquisition and disposal of non-performing loans.
Personal housing loan at the end of the first quarter
The non-performing loan ratio is still very low.
In the first quarter of 2020, personal housing loans, consumer loans and credit card loans were generally stable, and asset quality was relatively stable.
Personal housing loans have grown steadily, and the non-performing rate has stabilized at a low level. In the first quarter, personal housing loans increased by about 1 trillion yuan, an increase of 2.4% over the same period last year. At the end of the first quarter, the NPL ratio increased slightly compared with the beginning of the year, and remained basically low.
Personal consumption loans such as personal cars declined slightly, and the non-performing rate increased slightly. In the first quarter, personal cars and other personal consumption loans decreased by 27 billion yuan. The NPL ratio at the end of the first quarter increased by 0.24 percentage points compared with the beginning of the year.
Credit card loans declined, and the non-performing rate increased. Credit card loans decreased by more than 330 billion yuan in the first quarter. The NPL ratio at the end of the first quarter increased by 0.52 percentage points compared with the beginning of the year.
The person in charge said that the NPL ratio of consumer loans and credit card loans increased in the first quarter for the following reasons: On the one hand, the epidemic affected the repayment ability of some credit card customers. In the first quarter of this year, the per capita disposable income of the national residents only increased by 0.8% in nominal terms compared with the same period last year. On the other hand, credit card loans have a short term and bad exposure is faster. With the gradual recovery of the economy, the resumption of work and production continues to advance, the employment rate of residents continues to rise, and the repayment ability of residents will gradually recover, and this situation will improve in the future.