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羅兵咸永道:內銀應做好逆周期調節 增強韌性抵禦風險
羅兵咸永道發布《2022年半年度中國銀行業回顧與展望》顯示,今年上半年,受到內地疫情衝擊和國際環境複雜多變等超預期因素影響,經濟下行壓力加大,內地銀行業表現總體平穩,利潤增速放緩,總資產加速增長,資產質量整體保持穩健,但出現兩極分化。 該行中國金融業主管合夥人張立鈞表示,內地銀行業經營環境面臨較大的複雜性和不確定性,內銀應主動採取措施,做好逆周期調節,增強抵禦風險的韌性,持續推進改革和戰略轉型。 該行中國內地金融業合夥人楊尚圓表示,隨著全球經濟增長不確定性增加,滯漲壓力持續,發達經濟體貨幣政策進一步收緊,內地貨幣政策放鬆對銀行淨息差造成壓力,銀行盈利能力也面臨考驗,故預期銀行業將繼續加大信貸投放力度,同時促進綠色金融發展,並持續推進銀行業數碼化轉型。 上半年,59家上市銀行的整體淨利潤按年增6.28%至1.09萬億元人民幣,撥備前利潤按年增2.06%,較去年同期均略有放緩,而大型銀行營收穩定,股份制商業銀行與城農商行的利息收入增速放緩。 今年6月底,59家上市銀行的貸款質量指標整體保持穩健,不良率較去年底微降0.01百分點至1.36%,關注類貸款率降0.03百分點至1.84%,逾期率微升0.01百分點至1.42%。
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