展望2012年，国际经济金融形势仍会继续动荡，国内经济增长有所减速，政府融资平台和房地产开发企业的流动性问题仍应引起商业银行的高度重视，存款增长仍然是银行业面临的严峻挑战，顺应新监管标准的要求确保资本充足、继续提高拨备率仍然是商业银行的现实任务。2012年银行业息差基本会保持稳定，不良贷款余额可能微幅上升。但资产质量不会显著恶化，有望实现平稳运行的局面。%The year of 2012 may continue to see the international economic and financial turmoil. The domestic economic growth may slow down. The government-back financing vehicle and the liquidity shortage in real estate enterprises should be closely watched by commercial banks. The deposit growth will still be the challenge faced by banking sectors. The banking sector should follow the re- quirement of new regulatory standards to ensure the adequacy of capital and to increase provisioning ratio. In 2012, the banking sector will remain stable rate spreads and slightly higher NPL. But the asset quality will not deteriorate significantly and the banking sector will realize a stable performance.
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