A report released by the People's Bank of China on December 26 shows that in the first half of 2025, the People's Bank of China conducted central bank financial institution ratings on 3,529 banking institutions. The rating results show that the overall operations of my country's banking institutions are sound, and financial risks are generally converged and controllable.

The reporter learned that the rating levels are divided into 11 levels, namely 1-10 and D level. The larger the level value, the higher the risk of the institution. D level means that the institution has closed down, been taken over or cancelled. The rating result of 8-D is the "red zone", indicating that the institution is in a higher risk state.

The "China Financial Stability Report (2025)" released by the People's Bank of China on the same day showed that there were 3,217 banks with rating results of 1-7, and their assets accounted for 98% of the total assets of all participating banks. The overall operations of my country's banking institutions are sound and risks are generally controllable.

From the perspective of institution type, national banks have better rating results, while some local small and medium-sized banks have certain risks. From a regional perspective, the existing risks in most provinces have been significantly reduced, and the regional financial ecology continues to be optimized. There are no "red zone" banks within the jurisdiction of nine provinces, autonomous regions, municipalities, including Beijing, Tianjin, Shanghai, Chongqing, Zhejiang, Jiangsu, Jiangxi, Fujian, and Tibet.

Relevant people from the People's Bank of China said that in recent years, the financial system has steadily promoted risk disposal in key institutions and key regions. The central and local governments cooperated to promote the reform and risk reduction of local small and medium-sized financial institutions in an orderly manner under the "one province, one policy" principle. In accordance with the principles of marketization and rule of law, various methods such as mergers and reorganizations and market exits were used to reliably handle the risks of small and medium-sized banks. The number of high-risk small and medium-sized banks was significantly reduced.

According to reports, in the next step, the financial system will improve a comprehensive macro-prudential management system, strengthen the monitoring and assessment of systemic financial risks, and strengthen macro-prudential management in key areas. Prevent and resolve financial risks in key areas, resolutely promote the debt risk resolution of financial support financing platforms, actively and steadily handle the risks of small and medium-sized financial institutions, do a good job in macro-prudential management of real estate finance, and firmly maintain the bottom line of no systemic financial risks. (Reporters Ren Jun, Wu Yu)