出大事了！中國銀行業爆發史上最大危機！淨息差低於不良率全面倒掛，地方銀行接連爆雷，中產存款危險了！招商銀行董事長親口承認重大拐點。中國銀行業大潰敗，存款安全拉警報！中國金融系統搖搖欲墜！中國經濟危機

出大事了！中國銀行業爆發史上最大危機！淨息差低於不良率全面倒掛，地方銀行接連爆雷，中產存款危險了！招商銀行董事長親口承認重大拐點。中國銀行業大潰敗，存款安全拉警報！中國金融系統搖搖欲墜！中國經濟危機

When banks start to survive by raising fees The country’s economy I’ve really reached the brink of collapse. The most stable industry was not the civil service It’s the bank They are regarded as the last “cash cows” with guaranteed income, high profits and no risk of bankruptcy. But everything changed in 2025 The latest regulatory indicators released by the State Financial Supervision and Administration Bureau show First quarter of this year China’s average non-performing loan ratio exceeds net interest margin for the first time An unprecedented “inverted phenomenon” has occurred This means that the interest earned by the bank Can’t even make up for the bad debts It’s not that the profit has decreased, it’s that even the capital has been lost. Local rural commercial banks are in a terrible state The non-performing loan ratio of Shanxi Yuci Rural Commercial Bank is as high as 34.43% Net interest margin was -0.53% Net interest income – RMB 96 million The annual net loss was 206 million yuan, and the company suffered losses for two consecutive years. After a whole year of hard work, I not only didn’t make any money It has become a money-burning machine. Low corporate profits and a sluggish economy These are not surprising But even banks don’t make money The real systemic shock echoed the night before China’s banking industry was once one of the most profitable industries in the world Billions of dollars in profits every year in the 2010s It is a financial miracle that Wall Street envies But now The average net interest margin of the industry has dropped from more than 3% at its peak It fell to 1.43% This is the data for the first quarter of 2025 Even the regulatory red line cannot be maintained According to the Implementation Measures for Qualified Prudential Assessment revised by the central bank in 2023 A net interest margin below 1.8% is considered a “warning zone” Now it is not a warning but an overdraft of lifeline The culprit It is the LPR (Loan Market Reference Rate) that is regarded as a “market rescue weapon” May 20, 2025 The central bank further lowered the 1-year and 5-year LPR by 10 basis points each The surface is to stimulate the market In fact, it directly cuts off the bank’s profit lifeline The lower the loan interest rate, the lower the borrowing cost. But how do banks make money? With the interest rate spread narrowing Profit margins have been squeezed to the bone Banks can only find another way So the recent changes are becoming more and more obvious Suzhou Bank’s Platinum Card annual fee increased to 588 yuan Lujiang Rural Commercial Bank announced ATM cash withdrawals outside of the city are charged 3.3 yuan per transaction Bank of China also cancelled free local cash withdrawals and other services that were previously free of service fees Handling fees, annual fees, service fees… Financial services in the past Gradually became a sharp weapon for cutting leeks Even the “white, rich and beautiful” women in the bank are starting to show warning signs June 25 China Merchants Bank, known as the king of retail, holds its 2024 annual shareholders’ meeting President Wang Liang said at the meeting The banking industry has reached an important turning point Net interest margin is already lower than the non-performing loan ratio He said it very bluntly. A bank’s net interest margin should at least cover credit costs, operating costs and capital costs. If these three costs cannot be covered Bank development will face huge challenges Financial report data shows China Merchants Bank’s net interest margin has dropped from 1.98% in 2024 to 1.91% in the first quarter of 2025 The average annualized rate of return on “advances and loans” among interest-bearing assets is 3.53% This is a decrease of 0.54 percentage points compared to the previous year. The average annual cost rate of customer deposits is only 1.29%. The lowest in the industry But it still can’t stop the interest rate spread from continuing to narrow From the asset side Both real enterprises and local governments hope to reduce costs in financing From the debt side Bank deposit interest rates have entered the “1-digit” There is no room for further pressure reduction Under this double squeeze To bring the net interest margin back to above 2% An almost impossible task The central bank previously pointed out in its monetary policy report that It is reasonable for the banking industry’s net interest margin to remain above 1.8% But the actual level in the first quarter of 2025 was far below this standard According to public information The New Yellow River pointed out in its analysis on June 30 For every 10 basis point decrease in net interest margin The annual profit of a trillion-dollar bank may be reduced by more than 1 billion yuan If we add the rising non-performing loan ratio, Bank profits will be further eroded Capital adequacy ratio will also face huge pressure This will weaken the financial system’s ability to resist risks. From the reduction of LPR, the reduction of existing mortgage interest rates to the reduction of fixed deposit interest rates The narrowing of interest rate spreads has become a consensus across the industry This trend will continue in the future Private banks were the most affected. Business restructuring is imminent Below the comment section of many financial reports Discussion of banking crisis continues to grow Some netizens commented that “Banks are facing increasing challenges. Some people also lamented that “the once high-end bank Now we have to rely on raising transaction fees to survive? “Some people bluntly said that “net interest margin is the real data The defect rate is just an illusion of being suppressed The banking system is on the brink of a cliff.” The average figures do not look good. First quarter of 2025 The non-performing loan ratio of rural commercial banks is as high as 2.86% The net interest margin is only 1.58% The non-performing loan ratio of city commercial banks is 1.79% Net interest margin is only 1.37% Both have “inverted” phenomena The net interest margin of joint-stock banks is only 1.56%. Large commercial banks are slightly better The non-performing loan ratio is 1.22% and the net interest margin is only 1.33%. As for private banks, their net interest margin seems to be as high as 3.95%. But the defect rate has already reached 1.76% There is a high possibility of a sharp decline in the future What is even more shocking is the real situation in some of the hardest-hit areas. China Chengxin International announced in its rating report released on June 20 that The credit rating of Shanxi Yuci Rural Commercial Bank was downgraded from BB to BB- Report Disclosure The bank’s non-performing loan balance in 2024 increased by 1.097 billion yuan to 3.756 billion yuan The non-performing loan ratio increased by 11.51 percentage points to 34.43% from the beginning of the year. The net interest margin for the full year was -0.53% Net interest income was -0.96 billion yuan Annual loss of 206 million yuan Year-on-year loss increased by 108 million yuan Such data It is clear that this bank has fallen into the abyss. Yuci Rural Commercial Bank is not an isolated case When Yuci Rural Commercial Bank revealed a 34.43% NPL ratio and huge losses in two years Many people think that it is just a small local bank that is not adapting to the local environment. But soon Similar signals were sent out one after another across the country According to a report in China Times in June Many rural commercial banks and village banks in Henan have successively experienced the phenomenon of “making huge impairment provisions” 2024 financial report The proportion of non-performing loans has soared Some banks’ profits fell by more than 90% in the first quarter Shandong Rizhao Bank also disclosed in its annual report By the end of 2024 Its non-performing loan balance is as high as 7.233 billion yuan The provision coverage ratio has fallen below the 150% red line Aroused great concern from regulatory authorities Rural credit systems in Jiangxi, Guangxi, Sichuan and other places have also begun to show symptoms of “high non-performing loans and low provisioning” Some regions have even begun to implement “local financial injection + risk mitigation fund” to temporarily maintain stability. These data It feels like when Evergrande first started having trouble. On the surface, everything seems “under control” From local government to bank executives Everyone is saying “there is no systemic risk” But while shouting “It’s okay” I quietly started Increase handling fees and charge annual card fees Freeze the fund operation permissions of some high-risk accounts Using “non-amortization” adjustments to loans to improve financial statements Even reducing service outlets, laying off employees and cutting salaries This is not “nothing”, this is an industry’s self-help It is a preview of a financial shock that is about to break out. A question begins to arise: Are the deposits still safe? what to do? The “difficulty in withdrawing money” incident at Henan Village Bank last year Hundreds of thousands of depositors have not yet received their full amounts. After the huge loss of Yuci Rural Commercial Bank this year Local depositors began to withdraw cash in a panic There are even photos circulating on social media of “Yuci depositors queuing up to withdraw money in the early morning” What many people don’t know is The upper limit of the deposit insurance system is 500,000 yuan That is to say, deposits exceeding 500,000 Once a bank goes bankrupt, liquidation The remaining countries have no obligation to pay compensation There are more than 100 million people in China with bank deposits of more than 500,000 yuan. Of these 100 million people A large part of them are middle-class people who have just sold their houses. An elderly family preparing for retirement Parents saving money for their children’s tuition They thought they kept their money in the bank. It is the last “safe house” in this country. But now this house It has started to leak and may even collapse. Some people might say Banks can also make money from “non-interest income” Such as handling fees, fund agency sales, credit card service fees, etc. This is why I recently discovered It’s harder to get a credit card Various “annual fee exemptions” have been cancelled Interbank transfers will be charged There are queues at the counter and the service has deteriorated. These changes are not accidental. Banks are “saving themselves” But a deeper problem was revealed Banks rely on card fees, transfer fees, and service fees Is propping up profits an economic disease? Banks don’t make money by lending Instead, they make money by “fleecing” What does this indicate? This means that the real economy has no demand for credit. It’s not that banks don’t want to lend; Companies are no longer willing to borrow money to expand Local governments dare not borrow anymore Ordinary people dare not take out loans to buy houses and cars Banks have money but nowhere to put it They can only rely on reducing costs, increasing service fees, selling financial products and insurance. To maintain profitability This is no longer “releasing money to stimulate the economy” It is a system that relies on scraping bones to heal wounds to maintain life. In the entire Chinese banking system There are five key data A deep red alarm has been sounded Net interest margin fell for six consecutive quarters It has dropped to 1.43% The average non-performing loan ratio exceeded 1.5% and gradually increased The non-performing loan ratio of rural commercial banks reached 2.86% Local banks frequently fail Bank fees have risen sharply Non-interest income ratio surges A large number of small and medium-sized banks have laid off employees, closed branches, and reduced services. None of the above is a disaster. But they stack up It is a warning signal of a systemic crisis. We must face a cruel reality The underlying structure of China’s finance It has begun to loosen It’s not a problem for a single company It is the break of the entire capital circulation chain. If you think that the “inverted” relationship between the bank’s non-performing loan ratio and interest rate spread will only affect the bank That might be naive. Its conduction path is as follows Banks are not making money → Loans are tightened → Enterprises are facing tight capital chains → Workers are unemployed, landlords stop paying Banks don’t lend → Local infrastructure construction stops → Urban renewal stagnates → Housing prices collapse Bank collapse → Depositor confidence collapses → Large withdrawals → Financial panic In the end, it is not the senior financial people who get hurt. But ordinary people Deposits shrink The house can’t be sold Rising costs of medical education Shrinking employment opportunities From the moment when China Merchants Bank sounded the alarm The chain of trust in China’s banking system has already begun to collapse It’s not that it hasn’t started yet, it’s already started. There are only two things left to do. See the truth and keep your cash The storm has just begun

銀行崩了！不良率飆破息差，地方銀行爆雷連環炸，中產資產面臨全面清零！

2025年，中國銀行業終於迎來一場徹底的崩潰。官方監管數據顯示，不良貸款率首次超越淨息差，銀行連基本三項成本（信用、營運、資本）都難以覆蓋，經營模式徹底失衡。山西榆次農商行的不良率高達34.43%，連續兩年巨虧，淨息差竟為-0.53%，意味著每放一筆貸款，虧得更多！

更可怕的是，這不是個例！農商行、城商行、村鎮銀行集體告急，不良率節節升高，數百家中小銀行已經無法依靠傳統存貸息差生存，轉而瘋狂上調手續費、年費、ATM費用來“薅”儲戶。

你以為錢存在銀行就安全？錯了！存款保險上限50萬，其餘部分血本無歸。2025年是中產階級資產安全的臨界點，財富正悄無聲息地蒸發。

招商銀行董事長親口承認：這是中國銀行業的重大拐點！當銀行不再能放貸獲利、靠收費續命時，金融系統實際已經接近瓦解邊緣。

本期內容將完整揭露：
• 不良率與淨息差倒掛的深層意義
• 地方銀行爆雷的真實數據與風險蔓延鏈條
• 存款安全的紅線與潛在“兜底風險”
• 中產資產正如何被金融機構收割
• 銀行如何靠“漲費求生”轉嫁危機給儲戶
• 整個中國金融體系正在經歷怎樣的地震級轉折

別再說“銀行最安全”，真正的風暴已經悄悄開始蔓延。看完這一集，你將知道，手裡的存款，還是不是你的錢！

關鍵字：中國銀行危機、不良率倒掛、銀行爆雷、存款危機、金融風暴

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