银行系统效率和稳定性

时间区间

1960-2021

字段展示

银行系统效率和稳定性-英文字段	银行系统效率和稳定性-英文字段	指标说明
Country/Area	国家/地区
Code	代码
ContinentCode	大陆板块代码
Year	年份
Bank lending-deposit interest rate spread	银行贷款-存款利率利差	Definition: Difference between the lending rate and the deposit rate. The lending rate is the rate charged by banks on loans to the private sector and the deposit interest rate is the rate offered by commercial banks on three-month deposits.
Bank cost to income ratio, in percent	银行成本与收入比率，百分比	Definition: Operating expenses of a bank as a share of the sum of net-interest revenue and other operating income. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Non-performing loans as percent of all bank loans	不良贷款占所有银行贷款的百分比	Definition: Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.
Bank overhead costs, percent of total assets	银行管理费用，占总资产的百分比	Definition: Operating expenses of a bank as a share of the value of all assets held. Total assets include total earning assets, cash and due from banks, foreclosed real estate, fixed assets, goodwill, other intangibles, current tax assets, deferred tax assets, discontinued operations and other assets. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Bank interest revenue, percent of interest-bearing assets	银行利息收入，占生息资产的百分比	Definition: Accounting value of bank's net interest revenue as a share of its average interest-bearing (total earning) assets. The numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Bank credit as percent of bank deposits	银行信贷占银行存款的百分比	Definition: The financial resources provided to the private sector by domestic money banks as a share of total deposits. Domestic money banks comprise commercial banks and other financial institutions that accept transferable deposits, such as demand deposits. Total deposits include demand, time and saving deposits in deposit money banks.
Banking system regulatory capital to risk-weighted assets	银行系统监管资本占风险加权资产的比例	Definition: The capital adequacy of deposit takers. It is a ratio of total regulatory capital to its assets held, weighted according to the risk of those assets.
Bank return on assets, in percent	银行资产回报率，百分比	Definition: Commercial banks’ pre-tax income to yearly averaged total assets. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Bank return on equity, in percent	银行股本回报率，百分比	Definition: Commercial banks’ pre-tax income to yearly averaged equity. The numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Banking system z-scores	银行系统z-分数	Definition: The index captures the probability of default of a country's banking system. Z-score compares the buffer of a country's banking system (capitalization and returns) with the volatility of those returns. It is estimated as (ROA+(equity/assets))/sd(ROA); sd(ROA) is the standard deviation of ROA. ROA, equity, and assets are country-level aggregate figures. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Bank liquid assets to deposits and short-term funding	银行流动资产对存款和短期资金的比例	Definition: The ratio of the value of liquid assets (easily converted to cash) to short-term funding plus total deposits. Liquid assets include cash and due from banks, trading securities and at fair value through income, loans and advances to banks, reverse repos and cash collaterals. Deposits and short term funding includes total customer deposits (current, savings and term) and short term borrowing (money market instruments, CDs and other deposits).
Banking system capital, percent of assets	银行系统资本，占资产的百分比	Definition: Ratio of bank capital and reserves to total assets. Capital and reserves include funds contributed by owners, retained earnings, general and special reserves, provisions, and valuation adjustments. Capital includes tier 1 capital (paid-up shares and common stock), which is a common feature in all countries' banking systems, and total regulatory capital, which includes several specified types of subordinated debt instruments that need not be repaid if the funds are required to maintain minimum capital levels (these comprise tier 2 and tier 3 capital). Total assets include all nonfinancial and financial assets. Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.
Bank non-interest income to total income, in percent	银行非利息收入占总收入的比例，百分比	Definition: Bank’s income that has been generated by noninterest related activities as a percentage of total income (net-interest income plus noninterest income). Noninterest related income includes net gains on trading and derivatives, net gains on other securities, net fees and commissions and other operating income. The number is only calculated when net-interest income is not negative. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Interest rates on bank credit to the private sector	银行对私人部门信贷的利率	Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
Real interest rate: Bank lending rate minus inflation	实际利率：银行贷款利率减去通货膨胀率	Definition: Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)	债权人和债务人的合法权利指数（0=弱到12=强）	Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the applicable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies.
Credit information sharing index, 0 (low) - 8 (high)	信用信息共享指数，0（低）-8（高）	Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the applicable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies.

样本数据

Country/Area	Code	ContinentCode	Year	Bank lending-deposit interest rate spread	Bank cost to income ratio, in percent	Non-performing loans as percent of all bank loans	Bank overhead costs, percent of total assets	Bank interest revenue, percent of interest-bearing assets	Bank credit as percent of bank deposits	Banking system regulatory capital to risk-weighted assets	Bank return on assets, in percent	Bank return on equity, in percent	Banking system z-scores	Bank liquid assets to deposits and short-term funding	Banking system capital, percent of assets	Bank non-interest income to total income, in percent	Interest rates on bank credit to the private sector	Index of legal rights for creditors and borrowers (0 = weak to 12 = strong)	Credit information sharing index, 0 (low) - 8 (high)
国家/地区	代码	大陆板块代码	年份	银行贷款-存款利率利差	银行成本与收入比率，百分比	不良贷款占所有银行贷款的百分比	银行管理费用，占总资产的百分比	银行利息收入，占生息资产的百分比	银行信贷占银行存款的百分比	银行系统监管资本占风险加权资产的比例	银行资产回报率，百分比	银行股本回报率，百分比	银行系统z-分数	银行流动资产对存款和短期资金的比例	银行系统资本，占资产的百分比	银行非利息收入占总收入的比例，百分比	银行对私人部门信贷的利率	债权人和债务人的合法权利指数（0=弱到12=强）	信用信息共享指数，0（低）-8（高）
Afghanistan	AFG	AS	1960						615.47
Afghanistan	AFG	AS	1961						420.96
Afghanistan	AFG	AS	1962						308.33
Afghanistan	AFG	AS	1963						316.03
Afghanistan	AFG	AS	1964						219.44
Afghanistan	AFG	AS	1965						182.35
Afghanistan	AFG	AS	1966						190.41
Afghanistan	AFG	AS	1967						193.59
Afghanistan	AFG	AS	1968						174.31
Afghanistan	AFG	AS	1969						124.73
Afghanistan	AFG	AS	1970						151.48
Afghanistan	AFG	AS	1971						108.31
Afghanistan	AFG	AS	1972						114.01
Afghanistan	AFG	AS	1973						129.33
Afghanistan	AFG	AS	1974						133.16
Afghanistan	AFG	AS	1975						100.34
Afghanistan	AFG	AS	1976						87.08
Afghanistan	AFG	AS	1977						71.66
Afghanistan	AFG	AS	1978						97.29
Afghanistan	AFG	AS	1979						99.88
Afghanistan	AFG	AS	1980						92.77
Afghanistan	AFG	AS	1981						67.79
Afghanistan	AFG	AS	2006		61.61				52.91				49	74.29		39.05	17.97
Afghanistan	AFG	AS	2007		98.08		7.62	8.21	59.41		-0.55	-2.27	31.97	42.16		20.91	18.14
Afghanistan	AFG	AS	2008		58.7		5.5	10.39	60.27		2.76	19.4	19.95	42		15.73	14.92
Afghanistan	AFG	AS	2009		63.03		6.04	11.03	56.99		1.6	11.36	26.69	54.16		21.33	15
Afghanistan	AFG	AS	2010		64.52	49.9	3.48	5.59	61.69		0.8	5.1	24.95	62.56		42.81	15.61
Afghanistan	AFG	AS	2011		80.15	4.7	4.53	6.45	26.12		-0.62	1.6	18.98	60.82		29.52	15.15
Afghanistan	AFG	AS	2012		85.91	4.96	4.21	5.89	23		0.58	14.64	18.89	65.1		48.6	15
Afghanistan	AFG	AS	2013		75.5	4.85	3.84	6.19	23.64		0.81	10.86	18.99	61.28		40.8	15.08		0
Afghanistan	AFG	AS	2014		75.86	7.78	3.62	5.26	21.58		0.61	8.11	16.59	60.43		42.08	15	9	0
Afghanistan	AFG	AS	2015		73.97	12.05	3.05	4.5	22.07		-0.04	-0.24	16.87	66.62		45.61	15	9	0
Afghanistan	AFG	AS	2016		53.75	11.07	3.18	4.68	19.91		1.93	18.34	19.56	67.37		61.89	15	9	0
Afghanistan	AFG	AS	2017		79.78	12.2	3.23	3.85	19.45		0.88	8.06	17.73	66.06		53.94	14.84	9	0
Afghanistan	AFG	AS	2018		68.5	8.89	2.75	2.97	18.23		0.9	8.51	17	65.63		59.16		9	0
Afghanistan	AFG	AS	2019		70.77		2.97	3.07	18.76		1.15	10.52	19.32	66.25		57.2		10	0
Afghanistan	AFG	AS	2020		76.37		3.09	2.96	16.83		0.4	3.57	17.68	66.31		60.56		10
Afghanistan	AFG	AS	2021		64.39		2.68	1.72			1.37	11.05	24.92	72.38		79.01
Albania	ALB	EU	1986														1
Albania	ALB	EU	1987														1
Albania	ALB	EU	1988														1
Albania	ALB	EU	1989														1
Albania	ALB	EU	1990														1
Albania	ALB	EU	1991														1
Albania	ALB	EU	1992	2.08													20.58
Albania	ALB	EU	1993	2.25													29.58
Albania	ALB	EU	1994	3.83					16.69								23.67
Albania	ALB	EU	1995	4.35					12.74								19.65
Albania	ALB	EU	1996	7.18					10.2								23.96

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