郭樹清:

截至(zhi)2016年(nian)(nian)末(mo)，我國銀(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)融(rong)機構(gou)本外(wai)幣資(zi)產總(zong)額達到(dao)了(le)232.25萬(wan)(wan)(wan)億(yi)(yi)，同比(bi)增(zeng)(zeng)長了(le)15.8%，增(zeng)(zeng)速(su)較上(shang)年(nian)(nian)上(shang)升(sheng)了(le)0.13個百分(fen)，存(cun)貸款(kuan)(kuan)余額穩中有增(zeng)(zeng)，本外(wai)幣貸款(kuan)(kuan)余額112.06萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，較年(nian)(nian)初(chu)增(zeng)(zeng)加12.7萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，增(zeng)(zeng)長12.79%；本外(wai)幣存(cun)款(kuan)(kuan)余額155.52萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，較年(nian)(nian)初(chu)增(zeng)(zeng)加15.74萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，增(zeng)(zeng)長11.27%。資(zi)產質量基本穩定，銀(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)融(rong)機構(gou)不良貸款(kuan)(kuan)率(lv)(lv)1.91%，較上(shang)年(nian)(nian)末(mo)下降了(le)0.02個百分(fen)點，其(qi)中商(shang)(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)不良貸款(kuan)(kuan)率(lv)(lv)1.74%，較上(shang)年(nian)(nian)末(mo)上(shang)升(sheng)了(le)0.07百分(fen)點。商(shang)(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)實(shi)現凈利潤1.65萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)增(zeng)(zeng)長3.54%，整個銀(yin)行(xing)業(ye)(ye)(ye)實(shi)現凈利潤超過(guo)2萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)。商(shang)(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)平(ping)(ping)均資(zi)產利潤率(lv)(lv)0.98%，平(ping)(ping)均資(zi)本利潤率(lv)(lv)13.38%，與(yu)(yu)上(shang)年(nian)(nian)基本持(chi)平(ping)(ping)。風(feng)(feng)險抵御能力持(chi)續增(zeng)(zeng)強，商(shang)(shang)(shang)業(ye)(ye)(ye)銀(yin)行(xing)貸款(kuan)(kuan)損失準(zhun)備(bei)(bei)余額2.67萬(wan)(wan)(wan)億(yi)(yi)元(yuan)(yuan)(yuan)，撥(bo)備(bei)(bei)覆(fu)蓋率(lv)(lv)176.4%，貸款(kuan)(kuan)撥(bo)備(bei)(bei)率(lv)(lv)3.08%，資(zi)本充足(zu)率(lv)(lv)13.28%，均與(yu)(yu)上(shang)年(nian)(nian)基本持(chi)平(ping)(ping)。銀(yin)行(xing)業(ye)(ye)(ye)系(xi)統性風(feng)(feng)險總(zong)體可控，我國金(jin)(jin)融(rong)業(ye)(ye)(ye)的系(xi)統性風(feng)(feng)險也總(zong)體可控。