[20200910]IN11500_2019冠状病毒疾病对银行业的影响：2020年第二季度情况.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i COVID-19 Impact on the Banking Industry: Conditions in the Second Quarter of 2020 September 10, 2020 The economic ramifications of the Coronavirus Disease 2019 (COVID-19) pandemic could cause borrowers to miss loan payments, potentially to the point of individual banks or the bank industry becoming distressed. How and to what degree banks will be affected is uncertain. Comprehensive bank data are collected and released quarterly and provide indicators of industry health. On August 25, 2020, the Federal Deposit Insurance Corporation (FDIC) released the Quarterly Banking Profile: Second Quarter 2020, which reports aggregate data from all 5,066 FDIC-insured institutions as of June 30, 2020. This Insight presents certain data that may indicate how the pandemic is affecting banks. Background The COVID-19 pandemic has caused millions of businesses to close or limit operations and cost tens of millions of people their jobs. Economic downturns can threaten banks because more businesses and households may miss loan repayments. Because most bank assets are these types of loans, the missed payments can reduce bank i