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According to the latest report of S & P credit rating (China) Co., Ltd., the financing cost of many city commercial banks and agricultural commercial banks has increased after the takeover of the contractor banks, and the interest margin is likely to remain high. The risk situation of urban commercial banks and agricultural commercial banks is very different, and the financial indicators of most small and medium-sized banks are still stable and sustainable.
The report, entitled "Research on the distribution of credit quality of China's commercial banks", analyzes six major state-owned banks, 11 joint-stock banks, 34 foreign-funded banks, 100 Urban Commercial Banks and 49 rural commercial banks, accounting for about 93% of the total assets of China's banking industry.
In terms of the distribution of credit status, the six major state-owned banks, most joint-stock banks and most foreign-funded banks have good credit quality, mainly in the [aaaspc] * to [ASPC] * range, while urban commercial banks and agricultural commercial banks have a wide distribution of credit quality, mainly in the [bbbspc] * range.
Compared with other countries, the NPL ratio of China's banking industry is relatively low and more stable. The economic environment of different regions in China is different, which makes the credit environment of urban commercial banks and agricultural commercial banks in different regions very different. Regional banks operating in the West or northeast will face greater challenges in managing credit risk than those operating in Beijing or Shanghai.
According to the report, the main reason for the significant credit gap between the regional banks lies in the big differences in "the economic and financial environment of each region, the ownership structure and corporate governance level of banks, the risk preference and risk management level of banks".

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