现在银行的真实坏账率到底有多少？

Core Viewpoint - The article discusses the phenomenon of loan restructuring in banks, highlighting the potential risks and opportunities within the banking sector, particularly in the context of economic challenges and market perceptions [1][3][6]. Group 1: Loan Restructuring - Loan restructuring is a formal debt adjustment plan for clients unable to repay according to original terms, allowing for a more systematic approach than simple negotiations [3]. - Loans are categorized by risk, with overdue loans classified into "normal," "attention," "substandard," "doubtful," and "loss," where the latter three are considered non-performing loans [3]. - Restructured loans are classified as "attention" loans and do not count as non-performing unless they become overdue again [3]. Group 2: Market Perception and Investment Opportunities - The low price-to-earnings ratios of many banks may reflect market skepticism about their stability, despite the banks' apparent resilience to economic downturns [1]. - Historical examples illustrate that perceived crises in the banking sector may not always lead to actual failures, as seen in the recovery of major banks after past economic challenges [2]. - The article suggests that negative perceptions of banks can lead to missed investment opportunities, as market sentiment can shift rapidly, leading to significant gains for those who hold bank stocks [6]. Group 3: Current Banking Practices - Many banks are currently selling properties from defaulted loans, with some institutions holding thousands of such properties [8]. - The article notes a trend where individuals have shifted from long-term loans to short-term loans, which may not be financially prudent, indicating a potential risk in the market [7].