Good franchise projects: China Chain General Telephone & nbsp; 400 600 6565 transfer to good franchise projects. The third quarter report shows that the banking industry has entered a stage of benign growth, specifically manifested in the following four characteristics: First, the net interest margin has rebounded on a quarterly basis. The impact of asset repricing is gradually disappearing, and the improvement of the balance sheet structure and the increase in market interest rates have driven the average net interest margin of listed banks in the third quarter to increase by 12 basis points on a quarterly basis, maintaining an upward trend. Second, asset quality remains stable. Non-performing loans of listed banks continued to achieve dual declines in the third quarter. At the end of the third quarter in 2009, the balance of non-performing loans decreased by 13.68 billion yuan compared to the mid-term, and the non-performing rate dropped to 1.42%. Due to the improvement in asset quality, the provision accrual intensity has been reduced, the overall credit cost has declined, and the coverage rate of reserves has continued to increase by 7.4 percentage points to 155.5%. Third, loan structure significantly improved. Loans of listed banks grew by 2.2% on a quarterly basis in the third quarter. Although the loan growth rate declined, the structure continued to improve. According to the latest data from the Securities Daily, 12 industries have achieved profitability for four consecutive quarters, including: pharmaceutical biology, construction materials, catering and tourism, agriculture, forestry, animal husbandry and fishery, mining, financial services, commercial trade, machinery and equipment, information services, information equipment, comprehensive and real estate. Among these 12 industries, financial services have achieved net profits of more than 10 billion yuan in the first three quarters of this year. In these 12 industries, construction materials, pharmaceutical biology, and catering and tourism have achieved continuous growth for three quarters. The net profit growth rates of construction materials for the past three quarters were 48.6%, 83.37%, and 31.57% respectively; the net profit growth rates of catering and tourism for the past three quarters were 112.05%, 140.26%, and 23.67% respectively; while the sustainability of the performance of the pharmaceutical biology industry is more worthy of expectation, it is the only one that expanded its net profit growth rate in the third quarter. Industry insiders expressed that from the perspective of the trajectory of China's medium- and long-term economic development, urbanization and industrialization are bound to accelerate, which means that the demand for basic raw materials such as steel must rise. The third quarter report data shows that the steel industry has seen a turning point in performance. Then in 2010, the profitability of steel companies will greatly improve, and the internal growth momentum of enterprises will also be released.