银保监会：去年四季度银行业和保险业总资产稳健增长

Group 1 - The core viewpoint indicates that the banking and insurance sectors in China have shown steady growth in total assets, with the banking sector's total assets reaching 379.4 trillion yuan, a year-on-year increase of 10.0%, and insurance companies' total assets at 27.1 trillion yuan, up 9.1% from the beginning of the year [1] - The banking sector has strengthened financial services, with loans to small and micro enterprises reaching 59.7 trillion yuan, and inclusive loans for small micro enterprises under 10 million yuan totaling 23.6 trillion yuan, reflecting a year-on-year growth rate of 23.6% [1] - In 2022, the insurance sector reported original premium income of 4.7 trillion yuan, a year-on-year increase of 4.6%, while claims and benefits paid out were 1.5 trillion yuan, a decrease of 0.8% [1] Group 2 - The overall asset quality of commercial bank credit remains stable, with profits continuing to grow and risk compensation capabilities being sufficient. The capital adequacy ratio for commercial banks was 15.17%, an increase of 0.08 percentage points from the previous quarter [2] - The liquidity levels of commercial banks are robust, with a liquidity coverage ratio of 147.41%, up 4.73 percentage points from the previous quarter, and a loan-to-deposit ratio of 78.76%, an increase of 0.11 percentage points [2] - The core tier one capital adequacy ratio stood at 10.74%, reflecting a 0.10 percentage point increase from the previous quarter, indicating a solid capital position for the banking sector [2]