银行不良贷款“气候图”出炉！信贷风险持续出清，经济大省略有波动

Core Viewpoint - The overall asset quality of the banking industry in most regions remains stable by the end of 2024, but specific data shows widespread fluctuations across different areas [1][2]. Summary by Sections National Overview - By the end of 2024, 16 out of 26 regions reported an increase in non-performing loan (NPL) ratios compared to the beginning of the year, indicating slight declines in asset quality in several major economic provinces [1][2]. - The national commercial bank NPL ratio decreased from 1.59% at the end of 2023 to 1.50% at the end of 2024, a reduction of 0.09 percentage points [3]. Regional Performance - Regions like Gansu, Hebei, and Guangxi achieved a "double decline" in both NPL ratios and NPL scales, with Gansu's NPL ratio dropping by 0.62 percentage points to 2.56% [5][6]. - Economic provinces such as Guangdong, Zhejiang, and Jiangsu experienced slight fluctuations in NPL ratios, with Guangdong's ratio increasing by 0.17 percentage points to 1.52% [7][8]. Specific Regional Data - Black龙江's NPL ratio rose by 0.40 percentage points to 2.60%, indicating a significant increase in asset quality concerns [4][7]. - In contrast, regions like Beijing, Shanghai, and Shenzhen saw minor increases in their NPL ratios, with Beijing's ratio rising by 0.02 percentage points to 0.79% [8][9]. Institutional Disparities - Nationally, large banks maintained stable asset quality, with 10 out of 16 listed banks reporting a decrease in NPL ratios by the end of 2024 [10]. - However, local small and medium-sized banks faced higher risk levels, with rural commercial banks reporting an NPL ratio of 2.8%, despite a decrease of 0.54 percentage points [11][12]. Future Outlook - The government plans to enhance risk resolution efforts for small banks, particularly rural financial institutions, through various measures including capital supplementation and restructuring [12].