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Bad loans in China continued to rise during the third quarter as asset quality deteriorated amid an economic slowdown and a thinner loan profit margin forced lenders to expose a greater portion of their balance sheets to risky small firms.mini storageThe outstanding non-performing loans at lenders on China's mainland rose 24 billion yuan (US$3.9 billion) from the end of June to 563.6 billion yuan at the end of September.Meanwhile, the bad loan ratio edged up from 0.96 percent to 0.97 percent during the same period, the China Banking Regulatory Commission said yesterday.Rural commercial lenders had the worst asset quality among the banks, with an average NPL ratio of 1.62 perce儲存t. The ratio at foreign banks improved 3 basis points to 0.57 percent to rank top among all mainland lenders again."The bad loan ratio climbed during the third quarter despite small and medium banks making more write-offs," Beijing Gao Hua Securities Co said in a latest report.Other analysts warned that bad loans will rise further as banks stop giving refinance or payment extension to industries with excessive capacity. Meanwhile, the growth of credit to small and micro enterprises for higher profit margins will also result in higher credit risk for the lenders.Net interest margin improved at the top-four lenders while narrowing at most smaller banks, Gao Hua said.迷你倉