<p>" Weiwu Hui told the Beijing Daily reporter.In this regard, one at a joint-stock commercial bank for many years, a senior official said, the micro-level information only on behalf of individuals,2015 scarpe hogan outlet, not on behalf of the entire macro level. The senior official said,parajumpers jas heren, the bank NPL ratio increased indeed cause some impact on interest rates, bad debt because of bad loans increased to rely on banks to write off provision retained profits. Specifically, however, there is a lot of banking jobs and income structure is basically the two banks,hogan online outlet, one is a monthly salary, the other one is the year award. Year-end awards may bring some floating salary is according to the contract. The benefits and entitlements loan officers and account managers may be affected accordingly, they are not susceptible to the approval of the resignation.In Chinese Academy of Social Sciences Research Office of Finance of the bank she had just opinion, this argument is not conclusive. Zeng Gang said the bank NPL ratio rise does affect the bank's profitability and performance; and for individual banks NPL ratio increased rapidly,doudoune femme moncler, many of this year's performance even junior staff will be greatly reduced.15 listed banks NPL ratio risesIn fact, apart from the reason why there are rumors about the resignation of the bank employee lining up, largely because of poor balance of bank loans soared in recent years,dames parajumpers, the surge in non-performing loan ratio. Beijing Chinese Commercial News reporters Tong Jisan and Ji Bao data show that as of the end of the third quarter, the 16 listed banks,hogan roma, Agricultural Bank NPL ratio was the highest 2.02%, is the only one performing rate climbed to more than 2% of the listed commercial banks. The rest of the listed joint-stock banks NPL ratio at between 1.3% -1.6%, of which, China Merchants Bank.</p>
<p> the NPL ratio and loss ratio is to be distinguished from the NPL ratio means that a lot of flawed loans,scarpe hogan donna, but many flawed loan recovery value is very high. On the one hand,parajumper winterjas, a lot of loans are secured,parajumpers jas dames, even if the loan is not yet checked out the bank does not mean the bank will lose, the bank may have to back to mortgage the house is worth more than the loan. "A joint-stock commercial banks in many years the senior participants have said that if only consider the traditional deposit and lending business, banks are relying on the past for a long time deposit interest differential between lending to profit. "For example, the difference between the interest rate of the original bank is 3,jas parajumpers, meaning that banks can earn by lending 100 yuan to 3 yuan. If the poor had a 3% rate, meaning that it's cost of risk higher than its gross margin,hogan online, that This situation is definitely dangerous for the banks, and it is not sustainable. The current average level of the entire banking sector spreads in about 2.5%, in addition, the bank also planing to labor costs, so that if the bank NPL ratio approaching 2 %,parajumper jas dames, then it is dangerous,scarpe hogan uomo, once China's regulators are very cautious. "said a senior source said.NPL ratio of commercial banks began an upward trend.</p>
<p> and the economic situation are closely related. Prior to National Bureau of Statistics released the third quarter GDP growth figures of 6.9%, which is the first time in six years, China's GDP again broken VII.On the current China's commercial banks non-performing rate of increase in the past year, the reason, he just said that the root cause is that the current economic cycle is in a downturn.Zeng Gang bluntly,outlet hogan, the current major commercial banks still face the problem of macro-level economic cycle. Currently the real economy is still in the adjustment among the seven break from the GDP growth rate, despite the data is still in the target range, but this year the GDP growth has been relatively poor performance in recent years, a time period, which is facing overcapacity face out, to the bank causing considerable pressure, excess capacity may contain bank credit on the inside, so if excess capacity to be eliminated, similar companies to shut down,moncler pas cher, banks face the risk of going to rise.</p>
<p> Industrial Bank NPL ratio exceeds 1.5%, specific point of view, China Merchants Bank was 1.6% bad, bad bank Societe Generale was 1.57%. City firm listed on the NPL ratio relative to the state-owned big firms and joint-stock banks at a low level, and the current NPL ratio at less than 1%, which was 1.95% Bank of Nanjing bad; bad Beijing Bank was 0.94%; Bank of Ningbo bad rate 0.88%.In addition to Bank of Ningbo, and the remaining 15 listed banks as of NPL ratio in the third quarter compared with the end of 2014 all appeared certain level of increase, in which China Merchants Bank, the Agricultural Bank, Industrial Bank NPL ratio increased by a big margin, CMB third quarter non-performing rate of increase over the end of last year up 0.49 percentage points; the bank NPL ratio rose compared with the end of last year by 0.48 percentage points; Industrial Bank NPL ratio at the end of last year compared with an increase of 0.47 percentage points.In this regard,parajumpers sale, vice president of Finance at Renmin University of China Zhao Xijun that the current NPL ratio of commercial banks on average is not high,scarpe hogan uomo, but 2% is a more important watershed. In his view, the banks non-performing rate of 2% or less are all relatively healthy condition, in addition to individual banks, the current overall asset quality of commercial banks are still in a healthy condition. If an individual bank NPL ratio is high and exceeds 2%,doudoune femme moncler, it will need to take timely measures to improve risk control.NPL ratio of 2% line between lifeZeng Gang that "banks can withstand far more than the 2.5 percent level of bad debt because of bad loans does not mean the emergence of losses.</p>
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