[20201223]IN11562_2019冠状病毒疾病对银行业的影响：2020年第三季度情况.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i COVID-19 Impact on the Banking Industry: Conditions in the Third Quarter of 2020 December 23, 2020 The economic ramifications of the Coronavirus Disease 2019 (COVID-19) pandemic could include borrowers missing loan payments, potentially causing distress for banks. Bank regulators release comprehensive data on bank condition and income every quarter. On December 1, 2020, the Federal Deposit Insurance Corporation (FDIC) released the Quarterly Banking Profile: Third Quarter 2020, which reports aggregate data from all 5,033 FDIC-insured institutions as of September 30, 2020. This Insight presents certain statistics about how the pandemic is affecting banks. Background The pandemic has caused businesses to close or limit operations and millions of job losses. Economic downturns threaten bank profitability because more borrowers might miss loan repayments, which can reduce bank income and impose losses. Meanwhile, bank liabilitiesthe deposits they hold and the debt they oweobligate banks to make funds available to depositors and creditors. If borrower repayments decline enough, a banks ability to meet its oblig