中國銀行有高水平不良貸款比率

A few weeks ago the NHK News on-line reported the following:

中国 銀行の不良債権比率が高水準に

2月14日 8時38分

中国政府は、国内の景気が減速するなか、銀行の不良債権比率が去年末の時点で１．２５％となり、年ごとの統計では５年ぶりの高い水準になったことを明らかにしました。

中国の銀行監督当局によりますと、国内の銀行が保有する不良債権の総額は去年末の時点で８４２６億人民元、日本円で１６兆円余りで、１年前と比べて４２％増えました。この結果、銀行の貸し出しに占める不良債権の割合、不良債権比率は去年末時点で１．２５％となり、１年前と比べて０．２５ポイント上昇したということです。
上昇幅は、過去１０年で最も大きく、不良債権比率は年ごとの統計では５年ぶりの高い水準になりました。
これは、中国経済が減速するなか、製造業など、銀行の融資先である企業の経営が厳しさを増しているためだとみられています。
中国政府は、「銀行業界は全体としてリスクに対応する力が比較的強い」と説明しています。
ただ、金融関係者の間では、中国政府が公表する不良債権は日本などと比べて審査基準が甘く実際の比率はこの数倍に上るのではないかという指摘も出ていて、中国政府は、景気の先行きに不透明感が出る中難しいかじ取りを迫られています。

(試譯文)

The Chinese government made clear that, as domestic business condition was slowing down, the bad loan ratio of banks was 1.25% at the end of last year, being a high standard in 5 years by the yearly statistics.

According to the Chinese banks supervising authority the total amount of bad assets possessed by domestic banks was 842,600 million Chinese dollars, about 16,000,000 million yen, being an increase of 42 % compared with the previous year. As a result of the bad assets ratio in lending, the bank bad assets as of the end of last year become 1.25%, being an increase of 0.25 points compared with a year ago.

The level of increase was the highest in the past 10 years. The bad loan ratio was at a high level in 5 years by the yearly statistics.

That is, amid the slowing down of the Chinese economy, in manufacturing etc, it was seen as adding challenges to the management of companies who were borrowers of banks.

The Chinese government was explaining that "the banking business circle as a whole is relatively strong in their power to respond to the risk".

However, among the financial people concerned, it was pointed out that compared with Japan etc. China’s screening standard was not tight, the actual bad assets ratio should be several times higher then that published by the Chinese government. The Chinese government was forced into a difficult steering as uncertainties had appeared in the future of its economy.

Hopefully the banks in China could handle the situation smoothly.