二季度末银行业金融机构资产总额467.3万亿元，同比增长7.9%

Core Insights - The banking and insurance sectors in China are experiencing growth in total assets, with banking assets reaching 467.3 trillion yuan, a year-on-year increase of 7.9%, and insurance assets at 39.2 trillion yuan, growing by 9.2% since the beginning of the year [1][2] Banking Sector Summary - The banking industry is maintaining a stable operation with key indicators such as non-performing loan ratio, provision coverage ratio, and capital adequacy ratio showing overall stability and improvement [1] - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, up 12.3% year-on-year, while inclusive agricultural loans increased to 13.9 trillion yuan, with an additional 1.1 trillion yuan since the end of last year [1] - Banks are optimizing pricing capabilities and reducing overall liability costs, leading to a decrease in the cost-to-income ratio to 30.2%, down 5.3 percentage points from the previous year [1] - The net interest margin for commercial banks was stable at 1.42%, with a slight decline of 0.01 percentage points from the first quarter [1] Insurance Sector Summary - The insurance sector's total assets reached 39.2 trillion yuan, an increase of 3.3 trillion yuan since the beginning of the year, reflecting a growth of 9.2% [2] - The original insurance premium income for insurance companies was 3.7 trillion yuan, a year-on-year increase of 5.1%, while claims and benefits paid out amounted to 1.3 trillion yuan, up 9% [2] - The insurance industry's comprehensive solvency adequacy ratio stood at 204.5%, with core solvency adequacy ratio at 147.8% as of the end of the second quarter [2] - Specific solvency ratios for property insurance, life insurance, and reinsurance companies were 240.6%, 196.6%, and 250.5% respectively for comprehensive solvency, and 211.2%, 134.3%, and 219.6% for core solvency [2]