Shulou(Shulou.com)06/01 Report--

Recently, the Banking and Insurance Regulatory Commission released banking data for the first quarter of this year, showing that the non-performing rate rose 0.24 percentage points from the beginning of the year. Credit card loans have declined and the non-performing rate has risen. The Bancassurance Administration said that it will further strengthen supervision and guidance, continue to promote the disposal of non-performing loans in the banking industry, and continue to strengthen the disposal of non-performing loans.

The bad credit rate of banks rose in the first quarter.

The first quarter banking data released by the CBIC show that in the first quarter, the economy was negatively affected by the epidemic, the stock of non-performing loans in commercial banks increased significantly, and the non-performing rate rebounded rapidly.

The defect rate at the end of the first quarter was 0.52 percentage points higher than that at the beginning of the year. Of this total, loans for personal cars and other personal consumption decreased by 27 billion yuan, the non-performing rate at the end of the quarter increased by 0.24% compared with the beginning of the year, and credit card loans decreased by more than 330 billion yuan. Of this total, it decreased by more than 400 billion yuan in February and increased by more than 140 billion yuan in March.

A person in charge of the CBIC said, "the epidemic affects the repayment ability of some credit card customers, as well as the short term of credit card loans and rapid adverse exposure, which is the main reason for the increase in the bad rate of consumer loans and credit card loans in the first quarter." He said that with the gradual recovery of the economy, the resumption of work and production continues to advance, the employment rate of residents continues to rise, and the repayment ability of residents will gradually recover, and this situation will be improved in the future.

Yi Gang, governor of the people's Bank of China, also said in an interview with the media that the COVID-19 epidemic has brought unprecedented impact on China's economic and social development and caused certain downward pressure on the quality of bank credit assets, and the risks of some small and medium-sized financial institutions need to be paid attention to. Due to the lag of the risk exposure of non-performing loans and the policies of the banking industry to postpone the repayment of principal and interest since the epidemic, banks may face greater pressure on the increase of bad rate, the increase of non-performing assets and the disposal of non-performing assets.

It is urgent to upgrade the risk control strategy

The increase in the rate of bad credit has exposed the problems of asset data management, and there is an urgent need for banks to improve their risk control strategies.

After several years of rapid growth of the domestic retail credit market, the product homogenization is serious, the growth rate of asset volume, scene penetration, customer group coverage and other aspects generally slow down, and the market competition is fierce. Take credit cards as an example, the 2019 annual results released from a number of listed banks show that the growth rate of credit card issuance has slowed compared with the same period last year. Especially under the impact of the epidemic, consumer demand has plummeted, and the amount and frequency of credit card transactions have declined sharply.

In addition, due to the limited development time of consumer credit business in many financial institutions, they have not experienced the test of a complete economic cycle, and the accumulated data dimensions are not comprehensive enough. the historical data coverage used to build the existing risk control strategy and model system is not wide enough and the cycle is not long enough to accurately deal with the impact of emergencies.

Under the influence of this epidemic, the external environment and self-factors of users' repayment decisions have changed greatly in a short time, and it is possible that the abstract and fitting rules of historical models are no longer applicable. Financial institutions need the structural characteristics of their assets and customer groups, carefully assess the effectiveness of the existing risk control system and quickly adjust risk control means as needed, based on the performance of their business under the impact of the epidemic.

Digitization promotes the improvement of bank quality and efficiency

More than 800 bank outlets have closed this year, while the six major state-owned banks have lost a total of 836 in 2019. Although the physical outlets are closed and the business rate of leaving the cabinet is high, the financial results of listed banks in the first quarter are still beautiful. On the one hand, bank employees' home office outlets were suspended during the epidemic, and travel expenses and some marketing expenses were reduced; on the other hand, banks actively used Internet, big data, artificial intelligence and other technologies to provide contactless credit and diversified business development during the epidemic.

Bank digitization relies on the characteristics of big data and model for risk assessment, automatic operation on the whole process, no or little manual intervention, and rapid examination and approval of loans. it has played a positive role in improving loan efficiency, innovating risk assessment means and broadening the coverage of financial customers.

Digitalization is not only to transform the original products, services, process systems and management norms online, to achieve efficient touchdown service in the Internet environment, but also to achieve cross-channel, cross-departmental, cross-system continuity and sustainable customer management. enhance customer experience and stickiness, release customer management capacity. At the same time, promote the automation, real-time and intelligence of the bank's service mode and service content, and enhance the integration and humanization of products and services. The retail business of the times should include the construction of a professional Internet business model, the creation of a multi-channel integrated and differentiated business model, and the construction of online and offline digital collaborative operation model.

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