Recently, A-share listed banks have successively disclosed the semi annual report of 2022. The data shows that under the circumstance that the operating performance has exceeded the expected growth, many listed banks have not only further improved their asset quality, but also continuously enhanced their risk offset ability. This is because in the first half of this year, listed banks took a number of measures to help maintain stable asset quality, including early warning of customers' risk resolution plans and strengthening the collection and disposal of non-performing assets. At present, 16 A-share listed banks have disclosed the performance data of the first half of 2022. As a whole, by the end of the second quarter of this year, the non-performing loan ratio of most banks had decreased compared with the end of last year. In addition to Shanghai Pudong Development Bank, Ping An Bank, Qilu bank and Zijin bank, the non-performing loan ratio of more than ten banks including Bank of Hangzhou, Changshu bank, Zhangjiagang bank and Bank of Nanjing has been reduced to less than 1%. Among them, as of the end of the second quarter, the non-performing loan ratio of Bank of Hangzhou was the lowest, only 0.79%, down 0.07 percentage points from the end of the previous year; The non-performing loan ratio of Jiangyin bank decreased the most, from 1.32% at the end of last year to 0.98%, which was the lowest in the bank's history. In addition, the non-performing rate of Bank of Suzhou was 0.90%, which was the first time that the bank controlled the non-performing rate below 1%. Among the listed banks that have disclosed the semi annual report, the non-performing loan ratio of China Merchants Bank and Shanghai Rural Commercial Bank has increased, but still remains at a low level. By the end of June, the non-performing loan ratio of China Merchants Bank was 0.95%, an increase of 0.04 percentage points over the end of last year; The non-performing loan ratio of Shanghai Rural Commercial Bank was 0.96%, up 0.01 percentage points from the end of last year. In addition, the non-performing loan ratio of Ping An Bank was 1.02%, which was the same as that at the end of last year. The listed banks maintained relatively stable asset quality, thanks to the accelerated disposal of existing non-performing loans in the first half of the year. According to the disclosed semi annual report, "disposing and dissolving non-performing loans" and "strengthening verification and cancellation" have become high-frequency words. Taking bank of Nanjing as an example, in the first half of the year, the bank took such measures as concentrating efforts on tackling key large households' risk assets, concentrating efforts on collecting and implementing classified policies to promote non-performing loans, continuously increasing the intensity of write off, carrying out creditor's rights transfer according to market principles and reasonably receiving and disposing of debt repaid assets at the right time, etc. to dispose and resolve non-performing loans. At the end of June, the overdue loans of Bank of Nanjing accounted for 1.18%, down 0.08 percentage points from the beginning of the year. In addition to continuously increasing the collection and disposal of non-performing assets, the aforementioned small and medium-sized banks also strengthened the control of large-scale assets. For example, Jiangyin bank disclosed that in the first half of the year, the bank strictly controlled the increase of large-scale loans, monitored the proportion of large-scale loans every month, gradually implemented the pressure reduction plan, and the strong guarantee rate of private large-scale loans increased steadily compared with the beginning of the year. For another example, Bank of Nanjing has made sufficient provision for impairment of large amount of problem assets in stock and actively promoted risk disposal and resolution. There are differences in the structure of asset quality. According to the semi annual report data disclosed by listed banks, while the overall asset quality remains stable, there are differences in the structure of asset quality, which is mainly reflected in the non-performing rate of enterprise loans and personal loans "falling and rising". Many banks explained in their disclosed semi annual reports that in the first half of 2022, the macro economy