The half-year reports of the Big Six banks show that the combined balance of personal housing loans fell by 508.6 billion yuan in the first half of the year, more than half of the 711.5 billion yuan decline recorded for all of 2025; the non-performing loan ratio of Industrial and Commercial Bank of China's personal mortgages rose 23 basis points in six months to 1.29%, and the mortgage NPL ratios of all six major banks are rising.
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2026-10-22 06:26 · 本文详细解析了2026年8月中国人民银行公布的金融数据。通过对新增贷款、涉融结构、利息支出及提前还贷等大量数据的深入计算，指出私人部门面临严重的“信用消灭”，其借到的钱在扣除利息和旧账后几乎为零，全社会的真实有效信用增量完全依赖政府债务。同时，文章批评了官方和体制内经济学家将数据粉饰为“融资结构优化”和“新质生产力填坑”的说法，揭示了中国经济正面临严重的私人需求萎缩与通缩压力。
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Big Six banks' personal mortgage balances fall by 508.6 billion yuan in first half; ICBC's NPL ratio rises to 1.29%
2026.09.17 · Verified
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