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畢馬威:經濟下行競爭加劇 內銀前景存在較大不穩定性
畢馬威近日發表《2022年中國銀行業調查報告》,對200家上市及非上市商業銀行2021年度的業績表現和關鍵指標進行了統計整理,涵蓋業務規模、盈利水平、資產質素等多個方面。總的來說,2021年中國銀行業資產擴張雖趨緩,但總體上平穩,資本充足且盈利和資產質素有所改善;2022年則由於國內外疫情形勢的複雜化發展,內地銀行業前景將存在較大的不穩定性和不確定性。 報告預期,銀行業在這一特殊歷史時期將在外部宏觀經濟、監管、客戶以及內部經營和行業競爭等方面面臨日益嚴峻的挑戰。但同期將是金融業務全面數字化的時代。 該行稱,內地銀行業發展之路依舊充滿風險挑戰。一方面,利率市場化的加速導致市場利率波動加大,銀行帳簿利率風險、流動性風險等逐漸成為影響中國商業銀行穩健經營的實質性風險。另一方面,受國內外大環境的影響,經濟下行壓力大,信貸結束高速擴張導致同質化競爭愈發激烈。 畢馬威中國銀行業主管合夥人史劍表示,在新的發展環境下,中國銀行業將進入以追求高質量、數字化為導向的轉型發展「跋涉期」。 另畢馬威中國金融業主管合夥人張楚東表示,金融行業作為數字化轉型的先鋒,正加速向深水區邁進,從局部突破走向全面開展,呈現出服務智能化、業務場景化、渠道一體化、平台開放化和融合深度化等特點。然而市場瞬息萬變,如何把握變革機遇、制定戰略規劃,對金融從業者來說仍然是巨大的考驗。
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