The reason is mainly due to the variable internal and external operating environment, and it is difficult to significantly improve the cash flow pressure of the corporate sector, which will put pressure on the growth of core deposits. Therefore,《报告》expects that the growth of deposits of commercial banks will still rely on structural deposits, and the proportion of active liabilities may continue to increase.
In addition, in response to changes in the “net fee” that the industry is highly concerned with,《报告》pointed out that as the financial subsidiaries of a number of commercial banks continue to land, net fee income is expected to change positively. "On the one hand, the main contribution of the growth of net fee income of commercial banks in 2018 comes from the credit card business. It is expected that most banks will continue to exert their efforts in this business; on the other hand, with the opening of financial subsidiaries, it is expected to be a wealth management business. Under the premise that the income will drop sharply in 2018, this year there will be obvious repairs," Lian Ping said.
What are the next development trends in response to asset quality issues that are of general concern to all sectors of society?《报告》It is believed that asset quality follow-up may still be under pressure and different institutions will continue to differentiate.
Specifically, since 2018, under the influence of supervision and encouragement of strengthening non-performing loans, the rate of non-performing loans has risen, especially the accelerated exposure of non-performing loans by city commercial banks and rural commercial banks, but the rate of non-performing loans is still generally The control interval, and with some banks basically overdue loans over 90 days into non-performing loans, the “hidden burden” of the bank's asset quality has been greatly reduced.
However, it is worth noting that the bank's non-performing assets will usher in a more stringent "ruler." In April of this year, the China Banking Regulatory Commission issued《商业银行金融资产风险分类暂行办法(征求意见稿)》, broadened the scope of financial assets classified by risk, broadened the risk classification object from all credit assets to the on- and off-balance sheet assets, and demanded over 90 days of debts, even if the mortgage guarantee was sufficient. Also classified as a non-performing loan.