本报讯（记者高晨）银监会最新发布的银行业金融机构资产负债情况表显示，截至去年11月末，银行业金融机构资产达127.1万亿元，为今年以来的最高值，同比上升17.7%；总负债118.6万亿元，同比上升17.5%。

Report from our correspondent(The reporter GaoChen)Issued by the banking regulatory commission (CBRC) the latest banking financial institutions assets and liabilities profile for display,By the end of November,Banking financial institutions assets of 127.1 trillion yuan,The highest values ever for this year,Up 17.7% year-on-year;Total liabilities 118.6 trillion yuan,Up 17.5% year-on-year.

　　数据显示，截至11月末，在银行业金融机构中，大型商业银行的资产为56.2万亿元，同比上升11.0%，占银行业金融机构比例由44.6%回落到44.3%；负债52.3万亿元，同比上升10.6%，占银行业金融机构比例由44.5%回落到44.1%。

Data showed that,By the end of November,In the banking financial institutions,Large commercial bank assets of 56.2 trillion yuan,Up 11.0% year-on-year,Banking financial institutions share dropped from 44.6% to 44.3%;Debt is 52.3 trillion yuan,Up 10.6% year-on-year,Banking financial institutions share dropped from 44.5% to 44.1%.

　　2012年，由于整体经济下滑影响，业内更关注不良贷款数据。银监会公布的数据显示，2012年第三季度的不良贷款余额4788亿元，不良贷款率为0.95%，较前两季度上升0.01个百分点。

In 2012,,Due to the overall economic slowdown,Industry focus on bad loans.CBRC published figures show,In the third quarter of 2012 the non-performing loan balance is 478.8 billion yuan,Bad loans is 0.95%,The previous two quarter rose 0.01%.

　　中国人民大学金融学院副院长赵锡军指出，目前中国金融资产总规模与发达国家相比仍然较低，总资产的持续扩大，增速的不断提高在意料之中；但我国金融资产主要集中在银行方面，其他金融机构资产所占比例较小，有可能造成投资渠道不畅，金融资产品种单一的问题。

Zhao xijun, vice President of the college of finance at renmin university of China pointed out,At present, China's financial assets total scale compared with the developed countries are still relatively low,The continuous expansion of total assets,The steady rise in growth expected;But our country's financial assets are mainly concentrated in the bank,Other financial institutions assets proportion is very small,May cause investment channel,Financial assets of a single problem.

　　交通银行(601328,股吧)首席经济学家连平表示，从数据可以看出，不良贷款明显反弹，不过银行业不良贷款率仍维持在1%以下，仍在可控范围，不良贷款率上升的主要原因是部分行业贷款风险上升，钢铁和光伏产业尤甚。

Bank of communications(601328,Shares!)Chief economist even ping said,As can be seen from the data,Bad loans rebound significantly,But banking bad loans remains below 1%,Still in the controllable range,The main reason for the rise in non-performing loans rate is part of the industry increase in the risk of loans,Steel and photovoltaic industry.