中國(guó)社區(qū)銀行的發(fā)展中國(guó)地方性(社區(qū))銀行的發(fā)展情況(編輯修改稿)
2025-03-16 17:24 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 12全國(guó)城市商業(yè)銀行資產(chǎn)負(fù)債及損益簡(jiǎn)表單位：億元 /%100 million yuanNo. of institutions 112Employees 109211Total asset loans NPL NPL ratio %City Commercial Banks: Main Issues主要問(wèn)題? Lackofmanagerialskills資本管理水平較低，? Capital inadequacy資本充足率不足的問(wèn)題日益突出， ? Lowqualityofasset總體資產(chǎn)狀況較差，? DifficultNPLdissolution不良資產(chǎn)處置難度加大，資產(chǎn)損失率較高? Regional imbalance發(fā)展極不平衡，呈現(xiàn)明顯的地區(qū)性差異；少數(shù)高風(fēng)險(xiǎn)行經(jīng)營(yíng)困難，風(fēng)險(xiǎn)狀況十分嚴(yán)重。 RuralCreditUnions:Factsandfigures農(nóng)村信用社? 農(nóng)村信用社的經(jīng)營(yíng)狀況? 農(nóng)村信用社改革 :afocusRurulcreditunion:figures(end2023)? Totaldeposits:byuan? Totallending:byuan? NPLratio:%,fellby%withintheyear? Lendingtoagriculturalsector:byuan,upby%? Lendingtofarmers:bYuan,upby%? 26,245RCUsmadeprofitin2023,accountingfor81%ofthenationwideRCUs? RCUsasawholeinoperationalsurplusofbYuan,firsttimeeverRuralcreditunions:facts? Associated with and managed ChinaAgricultureBank19781996by1978年，農(nóng)村信用社交由中國(guó)農(nóng)業(yè)銀行管理。? Independent from CABC in 1996,supervisedbyPBOC? Piloting reforms of RCUs in July 2023:Jiangsu province, etc: 6 provinciallevelRCUsand65perfecturelevelRCUs? 20232023:RCUsreformexpandedtoallprovincesRCUs:ReformMeasures? Purpose:mercialization? Principle: ownership。 incentive。Centrallocalresponsibility? Twokeyissues–Ownership:localgovernments–CorporategovernanceMoreRCUReformsRuralCooperativeBank/RuralCommercialbank? Figures經(jīng)營(yíng)狀況? Mainissues存在問(wèn)題RCBs/RComB:Figures? Byend03/05,19RCBsand8RComBsinoperation? 23 RCBs a
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