1.In the fourth quarter of 2020, 4,399 institutions participated in the rating, including 24 large banks, 3,999 small and medium-sized banks and 376 non-bank institutions. According to the classification of the rating results of the central bank, 1-7 belongs to the safety boundary, and 8, 9, 10 and D belong to the "red zone" high-risk institutions.
2. Judging from the rating results, among the banking institutions, development banks, policy banks, state-owned banks, joint-stock banks, private banks and foreign-funded corporate banks are all within the safe range. Among non-bank institutions (including enterprise group finance companies, auto finance companies, financial leasing companies and consumer finance companies), only consumer finance companies are within the security boundary.
Extended information:
1. As the central bank said, from the perspective of institutional types, large banks have the best rating results, and rural cooperative institutions have higher risks. The rating results of large banks are as follows: Grade I 1, Grade II 1 1, Grade III 8, Grade IV 3, Grade VII 1. The assets of 24 big banks account for 7 1%. Among the small and medium-sized banks, foreign banks and private banks have good rating results, with 95% and 74% institutions located in 1-5 respectively, and no high-risk institutions; The rating results of city commercial banks ranked second, with 72% of institutions in 1-5, but 12% of them were high-risk institutions (assets accounted for 4% of all city commercial banks); Agricultural cooperatives (including rural commercial banks, rural cooperative banks and rural credit cooperatives) and rural banks have the highest risk, with 285 and 127 high-risk institutions respectively, and their assets account for 8% and 10% of this type of institutions respectively.
2. On the whole, the rating results of most institutions are within the safe boundary (1-7), with assets accounting for 98%. There are 2089 institutions rated as "green belts" (1-5). There are 1, 868 "yellow zone" (grade 6-7) institutions. There are 442 "red zone" (8-D level) institutions, with assets accounting for 2% of the banking industry.
3. It is worth noting that the number of high-risk financial institutions in China decreased significantly in the fourth quarter of 2020 compared with the results of the same period in 20 19. The number of "Red Zone" institutions decreased by 132 compared with last quarter, and decreased by 103 compared with the same period of last year. However, there are joys and sorrows. The central bank said that from the perspective of regional distribution, the risk situation in different regions is quite different. Beijing, Shanghai, Shenzhen, Zhejiang, Jiangsu, Fujian, Jiangxi and other places have no high-risk institutions or a small number, and "green zone" institutions account for more than 60%. Liaoning, Gansu, Inner Mongolia, Henan, Shanxi, Heilongjiang, Jilin, Shandong, Guangxi and other provinces have a large number of high-risk institutions.