金融监管总局公布三季度银行业保险业主要监管指标数据情况。三季度末，银行业金融机构普惠型小微 企业贷款余额36.5万亿元，同比增长12.1%。普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。 银行业和保险业总资产保持增长。三季度末，我国银行业金融机构本外币资产总额474.3万亿元，同比 增长7.9%。 （文章来源：人民日报） 前三季度，保险公司原保险保费收入5.2万亿元，同比增长8.5%；赔款与给付支出1.9万亿元，同比增长 7.6%；新增保单件数846亿件，同比增长7.9%。保险业偿付能力充足。 商业银行信贷资产质量总体稳定，风险抵补能力整体充足。前三季度，商业银行累计实现净利润1.9万 亿元。 ...

近日，国家金融监督管理总局发布2025年三季度银行业保险业主要监管指标数据情况。2025年前三季 度，商业银行累计实现净利润1.9万亿元。2025年三季度末，平均资本利润率为8.18%，平均资产利润率 为0.63%，盈利水平保持稳定。 值得关注的是，相比于二季度，商业银行三季度不良贷款余额有所增长，不良贷款率同步微升。2025年 二季度末，商业银行不良贷款余额3.4万亿元，较上季末减少24亿元；商业银行不良贷款率1.49%，较上 季末下降0.02个百分点；三季度末，商业银行不良贷款余额3.5万亿元，较上季末增加883亿元；不良贷 款率1.52%，较上季末上升0.03个百分点。从贷款分类来看，正常贷款余额228.8万亿元，其中正常类贷 款223.7万亿元，关注类贷款5.1万亿元，风险预警机制持续有效。 保险机构和保险资产管理公司增速明显加快，尤其是人身险公司和保险资产管理公司。2025年三季度 末，保险公司和保险资产管理公司总资产40.4万亿元，较年初增加4.5万亿元，增长12.5%（二季度增速 9.2%）。其中，财产险公司、人身险公司、再保险公司、保险资产管理公司总资产分别是3.2万亿元、 35.4万亿元、8 ...

本报讯 记者余嘉欣 孙榕报道 金融监管总局近日发布了2025年三季度银行业保险业主要监管指标数据。 数据显示，银行业和保险业总资产保持增长。三季度末，我国银行业金融机构本外币资产总额474.3万 亿元，同比增长7.9%。其中，大型商业银行本外币资产总额208.1万亿元，同比增长10%，占比43.9%； 股份制商业银行本外币资产总额76.2万亿元，同比增长4.7%，占比16.1%。三季度末，保险公司和保险 资产管理公司总资产40.4万亿元，较年初增加4.5万亿元，增长12.5%。其中，财产险公司3.2万亿元，较 年初增长9.9%；人身险公司35.4万亿元，较年初增长12.3%；再保险公司8615亿元，较年初增长4.1%； 保险资产管理公司1388亿元，较年初增长8.7%。 银行业和保险业金融服务持续加强。三季度末，银行业金融机构普惠型小微企业贷款余额36.5万亿元， 同比增长12.1%。普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。2025年前三季度，保险公司 原保险保费收入5.2万亿元，同比增长8.5%；赔款与给付支出1.9万亿元，同比增长7.6%；新增保单件数 846亿件，同比增长7.9%。 商 ...

本报讯 （记者刘琪）11月14日，国家金融监督管理总局发布2025年三季度银行业保险业主要监管指标 数据情况。数据显示，银行业和保险业总资产保持增长。2025年三季度末，我国银行业金融机构本外币 资产总额474.3万亿元，同比增长7.9%。其中，大型商业银行本外币资产总额208.1万亿元，同比增长 10%，占比43.9%；股份制商业银行本外币资产总额76.2万亿元，同比增长4.7%，占比16.1%。 2025年三季度末，商业银行正常贷款余额228.8万亿元，其中正常类贷款余额223.7万亿元，关注类贷款 余额5.1万亿元。 商业银行风险抵补能力整体充足。2025年前三季度，商业银行累计实现净利润1.9万亿元。2025年三季 度末，平均资本利润率为8.18%，平均资产利润率为0.63%。 2025年三季度末，商业银行贷款损失准备余额为7.3万亿元，较上季末增加174亿元；拨备覆盖率为 207.15%，贷款拨备率为3.14%。 2025年三季度末，商业银行（不含外国银行分行）资本充足率为15.36%，一级资本充足率为12.36%， 核心一级资本充足率为10.87%。 商业银行流动性指标保持平稳。2025年三季度末 ...

一、银行业和保险业总资产保持增长 智通财经APP获悉，11月14日，国家金融监督管理总局发布数据，2025年三季度末，我国银行业金融机 构本外币资产总额474.3万亿元，同比增长7.9%。其中，大型商业银行本外币资产总额208.1万亿元，同 比增长10%，占比43.9%；股份制商业银行本外币资产总额76.2万亿元，同比增长4.7%，占比16.1%。 2025年三季度末，保险公司和保险资产管理公司总资产40.4万亿元，较年初增加4.5万亿元，增长 12.5%。其中，财产险公司3.2万亿元，较年初增长9.9%；人身险公司35.4万亿元，较年初增长12.3%； 再保险公司8615亿元，较年初增长4.1%；保险资产管理公司1388亿元，较年初增长8.7%。 原文如下： 2025年三季度银行业保险业主要监管指标数据情况 2025年前三季度，商业银行累计实现净利润1.9万亿元。2025年三季度末，平均资本利润率为8.18%，平 均资产利润率为0.63%。 2025年三季度末，商业银行贷款损失准备余额为7.3万亿元，较上季末增加174亿元；拨备覆盖率为 207.15%，贷款拨备率为3.14%。 2025年三季度末，商业银行 ...

Group 1 - The total assets of China's banking and insurance sectors reached 467.3 trillion yuan by the end of Q2 2025, marking a year-on-year growth of 7.9% [3][4] - Large commercial banks accounted for 204.2 trillion yuan of the total assets, with a year-on-year increase of 10.4%, representing 43.7% of the total [3][4] - Insurance companies and asset management companies had total assets of 39.2 trillion yuan, an increase of 9.2% compared to the beginning of the year [3][4] Group 2 - The balance of inclusive loans to small and micro enterprises reached 36 trillion yuan, growing by 12.3% year-on-year [4] - The original insurance premium income for insurance companies was 3.7 trillion yuan, reflecting a year-on-year growth of 5.1% [4] Group 3 - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49% [5] - The normal loan balance stood at 226.8 trillion yuan, with 221.8 trillion yuan classified as normal loans [5] Group 4 - Commercial banks achieved a net profit of 1.2 trillion yuan in the first half of 2025, with an average capital return rate of 8.19% [6] - The loan loss provision balance was 7.3 trillion yuan, with a provision coverage ratio of 211.97% [6] Group 5 - The liquidity coverage ratio for commercial banks was 149.25%, indicating a 3.05 percentage point increase from the previous quarter [7] - The net stable funding ratio was 127.59%, showing a slight increase of 0.02 percentage points [7] Group 6 - The comprehensive solvency adequacy ratio for the insurance industry was 204.5%, with property insurance companies at 240.6% and life insurance companies at 196.6% [8] - The core solvency adequacy ratio for the insurance sector was 147.8%, with property insurance companies at 211.2% [8]

Group 1 - The total assets of the banking and insurance sectors in China continued to grow, with banking assets reaching 467.3 trillion yuan, a year-on-year increase of 7.9% [3][4] - Large commercial banks accounted for 204.2 trillion yuan of the total banking assets, growing by 10.4% year-on-year, representing 43.7% of the total [3] - Insurance companies and asset management companies had total assets of 39.2 trillion yuan, an increase of 9.2% from the beginning of the year [3] Group 2 - The balance of inclusive loans to small and micro enterprises reached 36 trillion yuan, growing by 12.3% year-on-year [4] - The original insurance premium income for insurance companies was 3.7 trillion yuan, a year-on-year increase of 5.1% [4] Group 3 - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49% [5] - The normal loan balance for commercial banks was 226.8 trillion yuan, with 221.8 trillion yuan classified as normal loans [5] Group 4 - Commercial banks achieved a net profit of 1.2 trillion yuan in the first half of 2025, with an average capital return rate of 8.19% [6] - The loan loss provision balance was 7.3 trillion yuan, with a provision coverage ratio of 211.97% [6] Group 5 - The liquidity coverage ratio for commercial banks was 149.25%, an increase of 3.05 percentage points from the previous quarter [8] - The net stable funding ratio was 127.59%, showing a slight increase [8] Group 6 - The comprehensive solvency adequacy ratio for the insurance industry was 204.5%, with property insurance companies at 240.6% and life insurance companies at 196.6% [9]

Group 1 - The core viewpoint indicates that the banking and insurance sectors in China have shown steady growth in total assets, with the banking sector's total assets reaching 379.4 trillion yuan, a year-on-year increase of 10.0%, and insurance companies' total assets at 27.1 trillion yuan, up 9.1% from the beginning of the year [1] - The banking sector has strengthened financial services, with loans to small and micro enterprises reaching 59.7 trillion yuan, and inclusive loans for small micro enterprises under 10 million yuan totaling 23.6 trillion yuan, reflecting a year-on-year growth rate of 23.6% [1] - In 2022, the insurance sector reported original premium income of 4.7 trillion yuan, a year-on-year increase of 4.6%, while claims and benefits paid out were 1.5 trillion yuan, a decrease of 0.8% [1] Group 2 - The overall asset quality of commercial bank credit remains stable, with profits continuing to grow and risk compensation capabilities being sufficient. The capital adequacy ratio for commercial banks was 15.17%, an increase of 0.08 percentage points from the previous quarter [2] - The liquidity levels of commercial banks are robust, with a liquidity coverage ratio of 147.41%, up 4.73 percentage points from the previous quarter, and a loan-to-deposit ratio of 78.76%, an increase of 0.11 percentage points [2] - The core tier one capital adequacy ratio stood at 10.74%, reflecting a 0.10 percentage point increase from the previous quarter, indicating a solid capital position for the banking sector [2]

Group 1: Banking Sector Overview - As of the end of Q1 2025, the total assets of China's banking sector reached 458.3 trillion yuan, reflecting a year-on-year growth of 6.7% [1] - Large commercial banks accounted for 198.5 trillion yuan of the total assets, growing by 7.3% year-on-year, representing 43.3% of the total [1] - The balance of inclusive loans for small and micro enterprises reached 35.3 trillion yuan, with a year-on-year increase of 12.5% [1] Group 2: Insurance Sector Overview - By the end of Q1 2025, the total assets of the insurance sector (excluding specialized insurance intermediaries) amounted to 37.8 trillion yuan, an increase of 1.9 trillion yuan or 5.4% from the beginning of the year [1] - The original insurance premium income for insurance companies was 2.2 trillion yuan, showing a year-on-year growth of 0.8% [2] - The comprehensive solvency adequacy ratio for insurance companies stood at 204.5% at the end of Q1 2025 [3] Group 3: Loan Quality and Profitability - The non-performing loan balance for commercial banks reached 3.4 trillion yuan, with a non-performing loan ratio of 1.51%, reflecting a slight increase from the previous quarter [2] - Commercial banks achieved a net profit of 656.8 billion yuan in Q1 2025, with an average capital return rate of 8.82%, up by 0.72 percentage points from the previous quarter [2] - The loan loss provision balance for commercial banks was 7.2 trillion yuan, with a provision coverage ratio of 208.13% [2] Group 4: Capital Adequacy and Liquidity - The capital adequacy ratio for commercial banks was 15.28%, with a core tier 1 capital adequacy ratio of 10.70% at the end of Q1 2025 [3] - The liquidity coverage ratio for commercial banks was 146.20%, showing a year-on-year decrease of 4.63 percentage points [3] - The solvency adequacy ratios for property insurance, life insurance, and reinsurance companies were 239.3%, 196.6%, and 255% respectively [3]

Core Insights - The total assets of China's banking and insurance sectors continued to grow in Q1 2025, indicating a stable financial environment and enhanced financial service capabilities [1][2] Banking Sector Performance - As of the end of Q1 2025, the total assets of banking institutions reached 458.3 trillion yuan, a year-on-year increase of 6.7% [2] - Large commercial banks accounted for 198.5 trillion yuan, growing by 7.3%, representing 43.3% of the total assets [2] - The balance of inclusive loans to small and micro enterprises was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Insurance Sector Performance - The total assets of insurance institutions (excluding specialized insurance intermediaries) reached 37.8 trillion yuan, an increase of 1.9 trillion yuan or 5.4% from the beginning of the year [2] - The original insurance premium income for insurance companies was 2.2 trillion yuan, reflecting a year-on-year growth of 0.8% [3] Asset Quality and Risk Management - The non-performing loan balance for commercial banks was 3.4 trillion yuan, with a non-performing loan ratio of 1.51%, slightly up by 0.01 percentage points [4] - The average capital return rate for commercial banks was 8.82%, increasing by 0.72 percentage points [4] - The capital adequacy ratio for commercial banks stood at 15.28% as of the end of Q1 2025 [5] Liquidity and Solvency - The liquidity coverage ratio for commercial banks was 146.20%, down by 4.63 percentage points year-on-year [5] - The comprehensive solvency adequacy ratio for insurance companies was 204.5%, indicating sufficient solvency [5]