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上市银行8月下旬集中发布半年报,如业内预计,增速相对前几年继续放缓、资产质量承压局面持续。分析认为,受经济下行、结构调整、实体经济资金回笼周期延长等因素影响,短期内银行业资产质量的拐点难以显现。而在这样的背景下,银行或将通过调整信贷投放结构、加速核销存量不良贷款以及资产证券化方式来化解自身的资产质量压力。
The listed banks concentrated their semi-annual reports in late August. As the industry expects, the growth rate will continue to slow down relatively a few years ago and the pressure on asset quality will continue. According to the analysis, due to such factors as economic downturn, structural adjustment and the extension of the return cycle of real economic funds, the inflection point of the banking assets quality is hard to come by in the short run. In this context, the bank or by adjusting the credit structure, accelerate the verification of non-performing loans written off and asset securitization to resolve their own asset quality pressure.