the stay, the extraction ratio of bad debt reserves, such as listed companies in China's current accounts receivable bad debt reserve of 9% extraction rate,
shape ups skechers, that is: 9% of accounts receivable balance by the bad debt provision preparation, extraction reserve into profit or loss. Bank loans to stay that may occur, provision for bad debts, the banks of caution against the risk of a test filter, is also a response to the authenticity of quantitative indicators of performance.
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Introduction Introduction Type of international financial crisis, the countries are strengthening the supervision of commercial banks. Although regulators interested in provision for 2011 target rate of commercial banks increased to 2.5%, but need to communicate and the Ministry of Finance and the Bank, taking fully into account the actual situation of China's banking sector, and then determine the rate of regulatory indicators provided specific value. This ratio should be as low as possible, the higher the profits less losses reaction; that the greater the risk the higher the ratio, the smaller the loss the greater the profits. Provision for Loan rate the level of risk should not be too low result in lack of provision, inflated profits; can not result in high excess of provision, profit virtual drop. The reaction of the macro indicators of the degree of risk of bank loans and socio-economic environment, integrity and other aspects. Provision for Loan rate the level of risk should not be too low result in lack of provision, inflated profits; can not result in high excess of provision, profit virtual drop. Bank loans to stay that may occur, provision for bad debts, the bank of caution against the risk of a test filter, is also a quantitative response to performance indicators of authenticity. The reaction of the macro indicators of the degree of risk of bank loans and socio-economic environment, integrity and other aspects. Semi-annual report data, as 6, ICBC, ABC, BOC, CCB and Bank of provisions to total loans ratio was 2.39%, 3.15%, 2.26%, 2.49%,
skechers tone ups, 1.97%, only the ABC high at 2.5%. Small and medium sized listed banks, in addition to Hua Xia Bank and Bank of Nanjing, compared to 2.49%, 2.15%, other banks have less than 2%, Industrial Bank only 1.37%. The international financial crisis, countries in strengthening the supervision of commercial banks. Although regulators interested in provision for 2011 target rate of commercial banks increased to 2.5%, but need to communicate and the Ministry of Finance and the Bank, taking fully into account the actual situation of China's banking sector, and then determine the rate of regulatory indicators provided specific value. Type General provisions (also known as general reserves) to cover losses not yet recognized the possibility of the provision. Mainly used for credit card advances, discount, bank acceptances advances,
skechers shoes online, letters of credit advances, guarantees advances, access to financing, loans to other banks, accounts receivable, investment (including equity, debt) and so on. Provision for Standard Bank in principle, should not be less than the closing balance of risk assets of 1%. Specific provision (also known as special preparation) is based on According to the People's Bank whether provision is made for the bank's discretion. Special provision (also known as special provisions) is for a particular country, region, industry or a certain type of provision for credit risk provisions. Different types of loans by banks under the special risks, the risk of loss probability and the historical experience of their own determination. Provision coverage rate or provision of means to prevent the occurrence of non-performing assets ratio of the amount of preparation; actually spent, the extraction ratio of bad debt reserve. Provision is the provision coverage rate. Is a measure of non-performing loans to commercial banks, losses, bad debt is an important indicator of adequacy. Banks as financial services, business risk business, its survival and development and sound operation of the premise and the key is that it assumes all risk of loss can be compensated and digestion. Expected losses which must be included in the form of prudent banking provisions for operating costs, and loan pricing of financial products in the price or compensation instead of the expected loss of bank capital required to be covered. Because of this,
skechers shape up shoes, and non-credit assets, the loan loss provision is full, the capital adequacy ratio meets the regulatory requirements, it becomes a measure of ability of banks to withstand an important indicator of financial risk. Governor Zhou Xiaochuan made a vivid metaphor,
shape up shoes, in his view,
skechers shape ups, After promising not allowed equal treatment of disease and medication, delayed treatment opportunities in vain. In fact, the provision's role is to reflect the fair value of assets. Profits or the cost of provision is provided in real terms depends on whether it can make up for possible future loan losses, provision for profit is not sufficient under the overvalued. For the current commercial banks, most banks special provision may be insufficient to cover future loan losses, so the system must be established to ensure appropriate provision for adequate provision to increase the risk of bad loans, banks ability to resist and to ensure that the basis of real profit. Provision is the bank used to smooth earnings for each year the level of the reservoir, increase operational efficiency of the provision to raise the level of provision, operational efficiency falls through the release of provisions to maintain the level of profitability. Bank of the amount of allowance for doubtful debts provision for the amount of the total provision for bad loans and total loans of coverage is a measure of the level of response to the economic climate changes in bank asset quality brought about an important basis for the ability to change. All in all, and the provision rate should be as low as possible, the higher the profits less losses reaction; the smaller the greater the loss of profits. Provision for Loan rate the level of risk should not be too low result in lack of provision, inflated profits; can not result in high excess of provision, profit virtual drop; should be pre-provision profit (profit before provision refers risk reserves before the deduction of the profits. It is equal to the net profit and risk allowance of and.) and profit after provision for comprehensive evaluation and assessment. In business management, both efficiency and quality, accelerate the development and prevention of risk, short-term and long-term interests, seeking truth from facts to improve enhanced ability to resist risks. Atlas Atlas entry for more extended reading: 1
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