By Chen Ning, Wang Gang & Bo Yan, Research Institute of Finance, DRC

Research Report, No.165, 2018 (Total 5440) 2018-10-8

Abstract: Under the background that China’s economic development has shifted from high-speed growth to high-quality development, listed banks followed and implemented the decisions and deployment of the CPC Central Committee in 2017, adapted to the policy adjustment of strong supervision, focused on their main businesses to serve the real economy and prevented them from being distracted from their intended purpose. The operation was stable across the board with some improvement in terms of serving the real economy. However, listed banks still face the external environment of strict and strong supervision and have some other problems such as potential adverse rebound, inadequate operational efficiency and improper capital supplement. By analyzing the annual reports disclosed by 41 listed banks in China in 2017, this paper reveals the main problems and challenges facing listed banks at present including issues relating to assets and liabilities, profit-earning capacity, potential risks, institutional structure and overseas investment, key national strategic support as well as fin-tech system construction. Looking into the future, the banking sector will still face a complex and volatile business environment. Efforts need to be made to flesh out quality, enhance efficiency and promoting driving forces so as to make positive headway with a high-quality growth.

Key words: listed banks, fiscal data analysis, banking operation