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在中国经济调整下行阶段,人们对金融风险忧心忡忡。如何管控和化解金融风险,引导和促进经济健康发展?专家学者提出了许多政策建议。这里我试着从考察信贷资产流动性和分析社会融资结构入手,做一些政策探讨,供大家参考。一、银行信贷资产流动性考察考察商业银行的信贷资产品质,可以有多个维度。在经济调整下行阶段,人们特别关注银行的不良贷款率。商业银行的不良贷款率近2年连续上升。2015年年末,中国商业银行平均不良贷款率为1.67%,比上年提高0.42个百分点;2016年3月末又上升到1.75%,是2009年以来的最高点。与此同
In the downward adjustment of China’s economy, people are worried about financial risks. How to control and resolve financial risks, guide and promote the healthy development of economy? Experts and scholars put forward many policy recommendations. Here I try to start by examining the liquidity of credit assets and analyzing the structure of social financing so as to make some policy discussions for your reference. First, examine the liquidity of bank credit assets Examining the quality of credit assets of commercial banks, there can be many dimensions. In the downward adjustment period of the economy, people pay special attention to the bank’s NPL ratio. The non-performing loan ratio of commercial banks has been rising continuously for nearly two years. As of the end of 2015, the average NPL ratio of commercial banks in China was 1.67%, up 0.42 percentage points from the previous year and up to 1.75% again in late March 2016, the highest level since 2009. Same with