Bei Jing Shang Bao·2025-11-17 11:48Core Insights - The report highlights the significant growth and development of urban commercial banks in China over the past 30 years, emphasizing their role in supporting local economies and small to medium-sized enterprises [1][2] Group 1: Development and Growth - As of the end of 2024, the asset scale of urban commercial banks reached 60.15 trillion yuan, a 134-fold increase since 1995, accounting for 13.53% of the banking sector [1] - The market share of urban commercial banks has increased by 8.24 percentage points, with a non-performing loan ratio of 1.76% and a provision coverage ratio of 188.08% [1] - There are 12 urban commercial banks with asset scales exceeding 1 trillion yuan, and 5 have been classified as systemically important banks in China [1] Group 2: Operational Management - Urban commercial banks have maintained a focus on serving urban and rural residents, small and medium-sized enterprises, and local economies, enhancing their service channels and product offerings [2] - They have played a crucial role in supporting the development of small and medium-sized enterprises, improving financial service coverage, accessibility, and customer satisfaction [2] - Urban commercial banks are actively exploring innovations to meet financing needs arising from major policies such as new urbanization and coordinated urban-rural development, thereby injecting financial momentum into local economic development [2]