从“风险机构”到“生力军” 中小银行“改”出新活力

Core Insights - The article discusses the revitalization of small and medium-sized banks in China, highlighting their transformation from "risk institutions" to "new forces" in the financial sector [4][10]. Group 1: Capital Strength - Capital strength of small and medium-sized banks has significantly improved, with local governments injecting substantial funds to support their development [7]. - For instance, the issuance of secondary capital bonds and perpetual bonds has reached a five-year high, with over 1 trillion yuan issued in the first seven months of the year [7]. Group 2: Governance and Efficiency - Governance structures of small banks have been reformed for better efficiency, with significant improvements in management effectiveness, reportedly increasing by over 30% [8]. - The restructuring of banks, such as the merger of He Lan Village Bank with Ningxia Bank, has led to a more centralized management approach [8]. Group 3: Risk Management - Risk management capabilities have been notably enhanced, with banks engaging in innovative asset management strategies, including the first structured transfer of non-performing assets in Ningxia [9]. - The overall risk control systems have been optimized, allowing banks to better monitor and manage credit risks associated with small and micro enterprises [9]. Group 4: Service to the Real Economy - The article emphasizes that the ultimate goal of these reforms is to better serve the real economy, with small banks providing more efficient financial services to local businesses [11]. - As of August, the loan balance of Ningxia's banking sector reached 1.06 trillion yuan, reflecting a year-on-year growth of 3.75%, while Inner Mongolia's banking sector reported a loan balance of 3.28 trillion yuan, growing by 2.51% [12]. Group 5: Future Outlook - Experts suggest that ongoing reforms will continue to enhance the governance and operational capabilities of small and medium-sized banks, enabling them to better serve the real economy while achieving higher quality development [12].