Chinanews.com, August 25th. Liu Guoqiang, deputy governor of the People's Bank of China, said on the 25th that under the impact of the epidemic, the downward pressure on the economy has increased, and the profitability of the banking industry has also fallen year-on-year. On the whole, the overall banking industry is operating steadily, with adequate provisions and capital levels.
At the State Council’s regular policy briefing held this morning, a reporter asked: Banking profits declined in the first half of the year, and banks are now facing increased pressure on non-performing assets and difficulties in replenishing capital. How should regulators balance and handle these three challenges? Should we relax the requirements for bank capital to a certain extent?
Liu Guoqiang said that in the first half of this year, banking financial institutions achieved a profit of 2.4 trillion yuan, a year-on-year decrease of 12%. This was mainly due to banks' efforts to reduce the burden on the real economy and increase provisioning to respond to the pressure of rising loans in the future. , These factors lead to.
Liu Guoqiang pointed out that, on the whole, the overall operation of the banking industry is sound, with adequate provisions and capital levels.
"As of the second quarter of this year, the capital adequacy ratio was 14.21%, a decrease of 0.43 percentage points from the beginning of the year. Although it was down from the beginning of the year, it was much higher than the 10.5% regulatory requirement. So there is no need to lower the regulatory requirement at present." Liu Guoqiang said, doing business It is necessary to have capital. It is very important to maintain sufficient capital. Even if the capital adequacy ratio declines in the future, it cannot be met by lowering the regulatory requirements. To do so is self-deception, but there must be substantial and abundant means to supplement capital. .
Liu Guoqiang stated that in order to improve the ability of financial services to serve the real economy, to enhance the ability to serve small and micro enterprises, and to serve "agriculture, rural areas and farmers", the People's Bank of China, in conjunction with relevant departments, promotes a sound system and mechanism for bank capital replenishment, and supports banks in using perpetual bonds and secondary capital. Innovative capital tools such as debt, replenish capital through multiple channels. Promote the use of local government special bond funds to supplement the capital of small and medium banks, deepen the reform of small and medium banks, and improve the corporate governance structure and risk prevention and control mechanisms that adapt to the characteristics of small and medium banks.