Bad Loans Surge At China’s Biggest Banks不良贷款.pptVIP

1 2 3 请输入文本内容 请输入文本内容 4 请输入文本内容 请输入文本内容 Bad Loans Surge At China’s Biggest Banks From: /金融时报 Team members: 1203012136 宋雅静 1203012147 詹雯霞 1203012148 张妃 1203012149 张鑫桂 1203012145 叶璐 2014/10/30 Bad loans at China’s biggest banks rose at the fastest pace in at least seven years during the third quarter as a slowing economy squeezed corporate borrowers.Analysts said the fall in asset quality was manageable. Industrial Commercial Bank of China and China Construction Bank, the country’s two biggest banks by assets, reported their biggest quarterly jump in bad loans in at least seven years, with rises of 9 and 10 per cent respectively. Data from the central bank this week showed that lenders have trimmed their exposure to China’s troubled property sector. Loans to home buyers and developers fell 5 per cent in the third quarter from the same period a year earlier. Central bank governor ZhouXiaochuan said in March that the longstanding cap on bank deposit interest rates is likely to be phased out in two years. Such reforms are expected to squeeze bank margins as lenders are forced to compete for customer funds by offering higher deposit rates. On the lending side, meanwhile, rates have remained relatively high as banks, wary of the slowing economy, demand higher interest rates to compensate for the increased default risk. quarter 季度 Eg. Our team was bottom of the league last quarter. slowing economy 经济放缓 Eg. The slowing economy is really a burden on the jobless rate now. longstanding （已持续）长时间的 Eg. On our part, we appreciate the longstanding cooperation between us. phased out 逐步停止;逐步淘汰 Eg. The old currency will have been phased out by 1990. default risk 违约风险 Words and Expressions 五大银行 ICBC = Industrial Commercial Bank of China 中国工商银行 ABC = Agricultural Bank Of China 中国农业银行 CBC = Construction Bank Of China 中国建设银行 BCM = Bank Of Communication 交通银行 BC = Bank Of China 中国银行 Background Bad Loan(不良贷款) 不良贷款亦指非正常贷款或有问题贷款，是指借款人未能按原定的贷款协议按时偿还商业银