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Excellent slideshow appreciation: banking profiteering era is nearing the end of the PPT download;
Slideshow content:
In the past years, commercial banks have been lying to earn money: with low interest from the hands of depositors to collect money, with high interest to the money and then to the enterprise; spread to the bank to bring profits, and now everything becomes Different, the banking industry began to become difficult.
Commercial banks in the first half of the sharp decline in profit growth:
China Banking Regulatory Commission announced the first half of the banking data show that Bank of China net profit rose 23.34% year on year, compared with 36% last year, a significant downward trend.
Net interest income still accounts for most of the bank's income:
China's commercial banks rely on operating lending business to obtain high income, from several listed banks, the net interest income generally accounted for about 80% of bank revenue.
But now, bank spreads are squeezed:
The central bank announced in June this year, bank deposit interest rates in the central bank set the benchmark interest rate floating to 1.1 times. While the loan interest rate can be reduced by 20% at the benchmark interest rate (before the maximum discount is 10%). Banks in order to Lanzhu, have the highest interest rates for money, which reduces the bank through the spread of income.
Intermediate business income has also been limited:
Regulators rectification arbitrary charges a series of actions, but also a direct impact on the bank's intermediary business income growth.
The rise of bad debts poses a challenge to the future of the bank:
While increasing pressure on revenue growth, commercial banks are facing another challenge: rising bad debts. Bank nonperforming loans and nonperforming loans leading indicators - overdue customer loans and advances also increased.
Changes in the external environment, the timing of bank transformation:
The direct cause of the slowdown in bank profit growth is that the real economy is facing many difficulties, resulting in insufficient credit demand, but at the deep level or because the structure of the financial system is changing, banks have to respond to the challenges in a timely manner.
Excellent slideshow appreciation: banking profiteering era is nearing the end of the PPT download;
Slideshow content:
In the past years, commercial banks have been lying to earn money: with low interest from the hands of depositors to collect money, with high interest to the money and then to the enterprise; spread to the bank to bring profits, and now everything becomes Different, the banking industry began to become difficult.
Commercial banks in the first half of the sharp decline in profit growth:
China Banking Regulatory Commission announced the first half of the banking data show that Bank of China net profit rose 23.34% year on year, compared with 36% last year, a significant downward trend.
Net interest income still accounts for most of the bank's income:
China's commercial banks rely on operating lending business to obtain high income, from several listed banks, the net interest income generally accounted for about 80% of bank revenue.
But now, bank spreads are squeezed:
The central bank announced in June this year, bank deposit interest rates in the central bank set the benchmark interest rate floating to 1.1 times. While the loan interest rate can be reduced by 20% at the benchmark interest rate (before the maximum discount is 10%). Banks in order to Lanzhu, have the highest interest rates for money, which reduces the bank through the spread of income.
Intermediate business income has also been limited:
Regulators rectification arbitrary charges a series of actions, but also a direct impact on the bank's intermediary business income growth.
The rise of bad debts poses a challenge to the future of the bank:
While increasing pressure on revenue growth, commercial banks are facing another challenge: rising bad debts. Bank nonperforming loans and nonperforming loans leading indicators - overdue customer loans and advances also increased.
Changes in the external environment, the timing of bank transformation:
The direct cause of the slowdown in bank profit growth is that the real economy is facing many difficulties, resulting in insufficient credit demand, but at the deep level or because the structure of the financial system is changing, banks have to respond to the challenges in a timely manner.
