论文部分内容阅读
中国银行业在2012年中,面对复杂严峻的国际经济金融形势和国内经济下行压力,总体实现平稳增长,资产自量保持稳定,不良贷款余额略有增加。本文根据2012年16家上市银行的资本充足率、核心资本充足率、不良贷款率和拨备覆盖率指标,分析我国上市银行的资产质量变化情况,发现大型银行的资本充足情况和资产质量均逊于中小型银行。
In the middle of 2012, faced with the complicated and severe international economic and financial situation and the downward pressure on the domestic economy, China’s banking sector saw a steady growth overall with stable asset holdings and a slight increase in non-performing loan balances. Based on the capital adequacy ratio, core capital adequacy ratio, non-performing loan ratio and provision coverage ratio of 16 listed banks in 2012, this paper analyzes the changes of asset quality of listed banks in China and finds that the capital adequacy and asset quality of large banks are inferior Small and medium-sized banks.