China BanksAPPENDIX 1SummaryCommentsLiquidity is relatively abundant,and medium-and long-term loans to corporations are still the main driver of loan growth.Personal short-term loans rebounded,while medium-and long-term loans are still to be recovered.Credit bond issuance recovered significantly,and government special bonds accelerated to the landing.RiskCorporate solvency declines and asset quality deteriorates significantly,significant changes in financial regulatory policies.12Mar20232