金融监管总局，最新数据

Core Insights - The total assets of China's banking and insurance sectors continued to grow in Q1 2025, indicating a stable financial environment and enhanced financial service capabilities [1][2] Banking Sector Performance - As of the end of Q1 2025, the total assets of banking institutions reached 458.3 trillion yuan, a year-on-year increase of 6.7% [2] - Large commercial banks accounted for 198.5 trillion yuan, growing by 7.3%, representing 43.3% of the total assets [2] - The balance of inclusive loans to small and micro enterprises was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Insurance Sector Performance - The total assets of insurance institutions (excluding specialized insurance intermediaries) reached 37.8 trillion yuan, an increase of 1.9 trillion yuan or 5.4% from the beginning of the year [2] - The original insurance premium income for insurance companies was 2.2 trillion yuan, reflecting a year-on-year growth of 0.8% [3] Asset Quality and Risk Management - The non-performing loan balance for commercial banks was 3.4 trillion yuan, with a non-performing loan ratio of 1.51%, slightly up by 0.01 percentage points [4] - The average capital return rate for commercial banks was 8.82%, increasing by 0.72 percentage points [4] - The capital adequacy ratio for commercial banks stood at 15.28% as of the end of Q1 2025 [5] Liquidity and Solvency - The liquidity coverage ratio for commercial banks was 146.20%, down by 4.63 percentage points year-on-year [5] - The comprehensive solvency adequacy ratio for insurance companies was 204.5%, indicating sufficient solvency [5]