国有银行不良资产.pptx
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1、NPLs of Chinese State-owned Banks:Current Status, Origins and Disposal MethodsM. Chen, C. Jia and X. XuGuanghua School of ManagementPeking University1Overview of Chinas Banking Sector Brief history Before 1979: PBC 1979-84: Establishment of four SOCBs 1986- : Establishment of joint-stock banks 2001-
2、 : City Commercial Banks Market share by assets (Q3, 2004) SCOBs: 54.1% Joint-stock banks: 14.6%2NPLs of Four SOCBs 3NPLs of Four SOCBs4NPLs of Four SOCBs5Origins of NPLs Policy loans SOEs versus private sector High level of debt of Chinese companies Interest rate control Low base rate; lower than U
3、SA, India and Korea Low spread between the deposit and lending rates Laeven and Majnoni (2003): in 2000, China: 3.6% and average of 106 countries: 6.67% Poor management and moral hazard6YearStock issueLoan growthStock issue/ Loan growth1993314.546335.40 4.961994138.057216.62 1.911995118.869339.82 1.
4、271996341.5210683.333.201997933.8210712.478.721998803.5711490.946.991999897.3910846.368.2720001541.0213346.6111.5520011182.1312439.419.50Capitals Raised by Chinese Companies 72002779.7518979.204.112003823.1027702.302.97Data source: 8Reasons for the Decrease in NPLs ratio Increase in total amount of
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