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长三角地区是各家银行的战略重地,此次银行坏账集中爆发于此给各家银行敲响了警钟,它警示银行要加快转型、真正提升风险管理水平上市银行2013年年报披露已经结束,从披露情况来看,上市银行正迎来利润增速下滑期,同时,不良贷款大幅攀升,多家上市银行呈现不良贷款余额和不良贷款率“双升”局面,经济发达的长三角地区,竟成为不良贷款的高发地。2013年多家银行45%以上的不良贷款发生在长三角地区。我们认为,银行不良贷款的区域分布与长三角高度重合是多重因素综合作用的结果。
The Yangtze River Delta region is strategically important for banks. The outbreak of bad debts at this bank has sounded a wake-up call for banks. It warns banks to speed up their transformation and truly enhance their risk management level. The disclosure of the 2013 annual report of listed banks has come to an end. From Disclosure situation, the listed banks are ushering in the declining profit growth period, while non-performing loans rose sharply, a number of listed banks showed a non-performing loan balance and non-performing loan ratio “double rise” situation, the economically developed Yangtze River Delta region, It has become a high incidence of bad loans. More than 45% of non-performing loans of many banks took place in the Yangtze River Delta in 2013. In our opinion, the regional distribution of bank non-performing loans and the high degree of overlap of the Yangtze River Delta are the result of a combination of multiple factors.