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Under the pressure of China's economic growth and the impact of such events as the Contractor's Bank, the operational risk of regional small and medium-sized banks, which had been savagely expanded, rose rapidly. However, on the whole, it is still the release of stock risk rather than the generation of new risk. Looking forward to next year, with the continuous exposure, manifestation and resolution of the stock problem, the overall risk of small and medium-sized banks will gradually reduce.
Industry insiders pointed out that the liquidity risk of small and medium-sized banks will be controllable next year due to the stable deposit base, increased efforts to purchase high liquidity assets and the escort of the regulators; and how to alleviate the downward pressure of asset quality and rectify the deviation and self rescue in the environment of internal and external troubles will test the operational wisdom of each bank.
"We believe that for small and medium-sized banks, it is more the process of releasing and clearing the stock risk, which makes their actual risk level drop," said Liao Zhiming, an analyst with Tianfeng securities banking industry. "However, the stock risk is relatively high, and it is expected to be controllable in the future."
He further explained that, for example, the non-performing rate of agricultural and Commercial Bank of China has increased in recent two years, which does not mean that the asset quality of such banks has deteriorated significantly, but it is caused by the lack of strict non-performing identification and non-performing "false statement" in previous years, and strict supervision makes the data of non-performing banks more authentic and reliable.
Industry insiders pointed out that although a simple rise in non-performing rate will not lead to continuous operation risk of banks, for banks with insufficient provision for loan impairment, a sharp rise in non-performing rate in the short term will directly impact the level of capital adequacy ratio, so the disposal of non-performing assets in stock will be an important task next year.
"Some banks' capital adequacy ratio looks ok, but considering the bad risk, the actual capital adequacy ratio level is not so optimistic," Liao said.


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