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重磅报告】中国银行业上市银行业绩回顾及热点问题探讨(2017年二季度)

来源: 南方日报网络版     时间: 2020年01月22日 19:34:37
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新疆时时龙虎和平台直招龙虎代理客服QQ/微信【421618535】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。重磅报告】中国银行业上市银行业绩回顾及热点问题探讨(2017年二季度)

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(39家)(上)(市)(银)(行)(中)(,除)(民)(生)(银)(行)(、中)(信)(银)(行)(和)(上)(海)(银)(行)(外)(,均)(实)(现)(资)(产)(规)(模)(增)(长)(。其)(中)(,锦)(州)(银)(行)(由)(于)(贷)(款)(规)(模)(超)(50%的)(增)(长)(,实)(现)(2017年)(上)(半)(年)(上)(市)(银)(行)(最)(大)(资)(产)(增)(幅)(19.47%。三)(家)(银)(行)(资)(产)(缩)(表)(则)(主)(要)(由)(于)(同)(业)(资)(产)(规)(模)(下)(降)(所)(致)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(资)(产)(结)(构)(中)(贷)(款)(及)(垫)(款)(占)(比)(出)(现)(反)(弹)(,投)(资)(和)(同)(业)(往)(来)(资)(产)(占)(比)(下)(降)(。
资)(产)(状)(况)(-资)(产)(结)(构)(
资)(产)(状)(况)(-贷)(款)(总)(规)(模)(
2017年)(上)(半)(年)(,各)(上)(市)(银)(行)(继)(续)(支)(持)(实)(体)(经)(济)(发)(展)(,重)(视)(实)(贷)(投)(放)(,同)(时)(推)(进)(贷)(款)(结)(构)(优)(化)(,加)(强)(风)(险)(管)(控)(。
2017年)(上)(半)(年)(末)(,32家)(上)(市)(银)(行)(贷)(款)(及)(垫)(款)(占)(比)(较)(上)(年)(末)(有)(所)(上)(升)(,其)(中)(中)(信)(银)(行)(上)(升)(最)(多)(,占)(比)(增)(加)(6.06%。
2017年)(上)(半)(年)(,39家)(上)(市)(银)(行)(贷)(款)(总)(规)(模)(达)(人)(民)(币)(81.34万)(亿)(元)(,较)(2016年)(末)(增)(幅)(为)(7.67%。
央)(行)(公)(布)(的)(《2017年)(上)(半)(年)(金)(融)(统)(计)(数)(据)(报)(告)(》显)(示)(,2017年)(以)(来)(人)(民)(币)(和)(外)(币)(贷)(款)(发)(放)(规)(模)(均)(稳)(步)(增)(长)(,住)(户)(部)(门)(贷)(款)(增)(速)(相)(对)(较)(快)(,同)(时)(实)(体)(经)(济)(的)(融)(资)(增)(速)(出)(现)(转)(暖)(迹)(象)(。
2017年)(上)(半)(年)(,39家)(上)(市)(银)(行)(贷)(款)(规)(模)(均)(不)(同)(程)(度)(扩)(张)(。各)(上)(市)(银)(行)(在)(2017年)(上)(半)(年)(间)(扩)(大)(贷)(款)(的)(投)(放)(总)(量)(,并)(纷)(纷)(进)(行)(资)(产)(结)(构)(调)(整)(,加)(强)(风)(险)(控)(制)(力)(度)(。
11家)(上)(市)(银)(行)(贷)(款)(规)(模)(实)(现)(两)(位)(数)(增)(长)(率)(,这)(些)(银)(行)(主)(要)(集)(中)(于)(城)(商)(行)(板)(块)(,其)(中)(锦)(州)(银)(行)(以)(50.10%的)(增)(长)(率)(处)(于)(增)(幅)(领)(先)(。
资)(产)(状)(况)(-贷)(款)(质)(量)(
2017年)(上)(半)(年)(,上)(市)(银)(行)(平)(均)(不)(良)(贷)(款)(率)(小)(幅)(下)(降)(0.01个)(百)(分)(点)(至)(1.50%。其)(中)(,23家)(上)(市)(银)(行)(不)(良)(贷)(款)(率)(出)(现)(下)(降)(,14家)(上)(市)(银)(行)(小)(幅)(上)(升)(,另)(有)(两)(家)(上)(市)(银)(行)(该)(比)(率)(较)(去)(年)(末)(持)(平)(。2017年)(上)(半)(年)(末)(,邮)(储)(银)(行)(以)(0.82%的)(不)(良)(率)(保)(持)(39家)(上)(市)(银)(行)(的)(最)(低)(水)(平)(。
2017年)(上)(半)(年)(末)(,上)(市)(银)(行)(平)(均)(逾)(期)(贷)(款)(率)(为)(2.74%,较)(去)(年)(末)(下)(降)(0.02个)(百)(分)(点)(,其)(中)(26家)(上)(市)(银)(行)(实)(现)(下)(降)(。广)(州)(农)(商)(行)(下)(降)(0.93个)(百)(分)(点)(,降)(幅)(最)(大)(。
与)(逾)(期)(贷)(款)(率)(变)(动)(趋)(势)(相)(同)(,上)(市)(银)(行)(2017年)(上)(半)(年)(逾)(期)(不)(良)(比)(率)(下)(降)(3.89个)(百)(分)(点)(,其)(中)(27家)(上)(市)(银)(行)(实)(现)(下)(降)(。九)(台)(农)(商)(行)(下)(降)(57.47个)(百)(分)(点)(,降)(幅)(最)(大)(。
2017年)(上)(半)(年)(末)(,上)(市)(银)(行)(平)(均)(逾)(期)(90天)(以)(上)((非)(不)(良)()与)(不)(良)(比)(率)(为)(27.71%,较)(去)(年)(末)(上)(升)(1.79个)(百)(分)(点)(。在)(披)(露)(该)(项)(数)(据)(的)(34家)(上)(市)(银)(行)(中)(,工)(商)(银)(行)(、建)(设)(银)(行)(、农)(业)(银)(行)(和)(邮)(储)(银)(行)(该)(比)(率)(为)(0,无)(逾)(期)(90天)(以)(上)(非)(不)(良)(贷)(款)(,另)(有)(15家)(银)(行)(该)(比)(率)(呈)(改)(善)(趋)(势)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(平)(均)(拨)(备)(覆)(盖)(率)(为)(215.14%,与)(2016年)(末)(215.64%相)(比)(基)(本)(持)(平)(。其)(中)(,于)(2017年)(上)(半)(年)(末)(,南)(京)(银)(行)(以)(450.19%的)(拨)(备)(覆)(盖)(率)(处)(于)(上)(市)(银)(行)(最)(高)(水)(平)(,上)(市)(银)(行)(整)(体)(拨)(备)(水)(平)(较)(为)(充)(足)(。
上)(市)(银)(行)(拨)(贷)(比)(水)(平)(亦)(较)(为)(稳)(定)(,由)(2016年)(末)(的)(3.07%小)(幅)(下)(降)(为)(2017年)(上)(半)(年)(末)(的)(3.06%。其)(中)(,于)(2017年)(上)(半)(年)(末)(,重)(庆)(农)(商)(行)(以)(4.12%的)(拨)(贷)(比)(取)(代)(农)(业)(银)(行)(,为)(上)(市)(银)(行)(拨)(贷)(比)(最)(高)(水)(平)(。
资)(产)(状)(况)(-投)(资)(
2017年)(上)(半)(年)(,受)(加)(强)(同)(业)(业)(务)(监)(管)(影)(响)(,上)(市)(银)(行)(资)(产)(结)(构)(中)(投)(资)(规)(模)(占)(比)(小)(幅)(下)(降)(0.57个)(百)(分)(点)(。
从)(整)(体)(投)(资)(结)(构)(看)(,于)(2017年)(上)(半)(年)(末)(:
以)(公)(允)(价)(值)(计)(量)(且)(其)(变)(动)(计)(入)(当)(期)(损)(益)(的)(金)(融)(资)(产)(占)(比)(7.18%,较)(去)(年)(末)(上)(升)(1.21个)(百)(分)(点)(;
可)(供)(出)(售)(金)(融)(资)(产)(占)(比)(27.03%,较)(去)(年)(末)(下)(降)(1.61个)(百)(分)(点)(;
持)(有)(至)(到)(期)(投)(资)(占)(比)(37.30%,较)(去)(年)(末)(上)(升)(1.85个)(百)(分)(点)(;
应)(收)(款)(项)(类)(投)(资)(占)(比)(28.49%,较)(去)(年)(末)(下)(降)(1.45个)(百)(分)(点)(。
2017年)(上)(半)(年)(末)(,五)(大)(国)(有)(大)(型)(商)(业)(银)(行)(仍)(保)(持)(较)(高)(的)(持)(有)(至)(到)(期)(投)(资)(比)(重)(,而)(其)(他)(商)(业)(银)(行)(则)(更)(多)(地)(偏)(向)(于)(持)(有)(可)(供)(出)(售)(金)(融)(资)(产)(和)(应)(收)(款)(项)(类)(投)(资)(。
资)(产)(状)(况)(-负)(债)(总)(规)(模)(和)(存)(款)(总)(额)(
2017年)(上)(半)(年)(末)(,上)(市)(银)(行)(负)(债)(总)(额)(为)(人)(民)(币)(150.65万)(亿)(元)(,较)(去)(年)(末)(增)(长)(4.23%,与)(资)(产)(规)(模)(的)(增)(幅)(呈)(现)(相)(同)(的)(趋)(势)(。
上)(市)(银)(行)(负)(债)(总)(额)(的)(增)(长)(主)(要)(得)(益)(于)(吸)(收)(存)(款)(的)(稳)(步)(增)(加)(以)(及)(已)(发)(行)(债)(务)(证)(券)(中)(同)(业)(存)(单)(发)(行)(规)(模)(的)(上)(升)(。
2017年)(上)(半)(年)(末)(,吸)(收)(存)(款)(仍)(是)(上)(市)(银)(行)(负)(债)(最)(主)(要)(的)(组)(成)(部)(分)(,其)(总)(规)(模)(达)(人)(民)(币)(111.21万)(亿)(元)(,占)(负)(债)(总)(额)(的)(73.82%,较)(2016年)(末)(增)(长)(1.2个)(百)(分)(点)(。
上)(市)(银)(行)(中)(,35家)(银)(行)(存)(款)(规)(模)(在)(2017年)(上)(半)(年)(实)(现)(扩)(大)(,其)(中)(7家)(银)(行)(实)(现)(两)(位)(数)(增)(长)(率)(。
资)(产)(状)(况)(-负)(债)(结)(构)(
2017年)(上)(半)(年)(末)(,除)(盛)(京)(银)(行)(外)(,其)(他)(上)(市)(银)(行)(负)(债)(中)(,吸)(收)(存)(款)(占)(比)(均)(超)(过)(50%。国)(有)(大)(型)(商)(业)(银)(行)(和)(农)(商)(行)(吸)(收)(存)(款)(占)(比)(相)(对)(较)(高)(。而)(股)(份)(制)(商)(业)(银)(行)(和)(城)(商)(行)(则)(对)(同)(业)(负)(债)(的)(依)(存)(度)(更)(高)(。
2017年)(上)(半)(年)(,各)(上)(市)(银)(行)(负)(债)(结)(构)(与)(2016年)(末)(相)(比)(总)(体)(没)(有)(显)(著)(变)(化)(。受)(利)(率)(市)(场)(化)(及)(互)(联)(网)(金)(融)(的)(冲)(击)(,银)(行)(在)(揽)(储)(方)(面)(的)(竞)(争)(愈)(加)(激)(烈)(。为)(应)(对)(复)(杂)(多)(变)(的)(宏)(观)(经)(济)(和)(市)(场)(环)(境)(,上)(市)(银)(行)(持)(续)(优)(化)(负)(债)(业)(务)(结)(构)(,持)(续)(加)(大)(吸)(收)(存)(款)(等)(稳)(定)(资)(金)(来)(源)(的)(力)(度)(,同)(时)(开)(拓)(负)(债)(渠)(道)(,提)(升)(负)(债)(结)(构)(多)(样)(化)(。
风)(险)(管)(理)(-资)(本)(充)(足)(率)(和)(一)(级)(资)(本)(充)(足)(率)(
2017年)(上)(半)(年)(末)(,上)(市)(银)(行)(平)(均)(资)(本)(充)(足)(率)(为)(12.44%,较)(去)(年)(末)(的)(12.60%小)(幅)(下)(降)(。随)(着)(银)(行)(规)(模)(的)(扩)(大)(,业)(务)(发)(展)(所)(带)(来)(的)(资)(本)(压)(力)(持)(续)(显)(现)(,上)(市)(银)(行)(需)(利)(用)(资)(本)(市)(场)(优)(势)(通)(过)(定)(向)(增)(发)(和)(发)(行)(优)(先)(股)(等)(多)(种)(途)(径)(补)(充)(资)(本)(金)(。
2017年)(上)(半)(年)(末)(,上)(市)(银)(行)(平)(均)(一)(级)(资)(本)(充)(足)(率)(为)(10.16%,较)(去)(年)(末)(的)(10.39%下)(降)(0.23个)(百)(分)(点)(。
盈)(利)(能)(力)(-盈)(利)(能)(力)(分)(析)(
2017年)(上)(半)(年)(,除)(3家)(上)(市)(银)(行)(归)(属)(于)(母)(公)(司)(的)(净)(利)(润)(下)(降)(外)(,其)(余)(36家)(上)(市)(银)(行)(的)(归)(属)(于)(母)(公)(司)(的)(净)(利)(润)(水)(平)(均)(不)(同)(程)(度)(上)(升)(。受)(利)(率)(市)(场)(化)(持)(续)(推)(进)(以)(及)(上)(半)(年)(利)(率)(和)(汇)(率)(市)(场)(波)(动)(影)(响)(,上)(市)(银)(行)(在)(盈)(利)(水)(平)(提)(升)(方)(面)(面)(临)(着)(较)(大)(的)(挑)(战)(。
营)(业)(收)(入)(方)(面)(,2017年)(上)(半)(年)(上)(市)(银)(行)(的)(营)(业)(收)(入)(总)(额)(同)(比)(小)(幅)(下)(降)(,主)(要)(是)(由)(于)(营)(改)(增)(后)(大)(部)(分)(收)(入)(需)(要)(进)(行)(价)(税)(分)(离)(以)(及)(利)(率)(和)(汇)(率)(市)(场)(波)(动)(导)(致)(投)(资)(收)(益)(减)(少)(所)(致)(。同)(时)(,规)(模)(增)(长)(所)(带)(来)(的)(盈)(利)(提)(升)(边)(际)(效)(应)(逐)(渐)(下)(降)(,各)(银)(行)(在)(持)(续)(扩)(大)(生)(息)(资)(产)(规)(模)(的)(同)(时)(,也)(更)(注)(重)(业)(务)(效)(益)(以)(及)(成)(本)(管)(理)(。
2017年)(上)(半)(年)(上)(市)(银)(行)(不)(良)(贷)(款)(率)(维)(持)(高)(位)(,信)(用)(风)(险)(压)(力)(仍)(较)(为)(严)(峻)(,但)(同)(时)(风)(险)(暴)(露)(速)(度)(逐)(步)(趋)(稳)(,部)(分)(上)(市)(银)(行)(信)(贷)(质)(量)(指)(标)(出)(现)(好)(转)(。在)(该)(基)(础)(上)(,上)(市)(银)(行)(拨)(备)(计)(提)(增)(速)(减)(慢)(,在)(一)(定)(程)(度)(上)(为)(银)(行)(在)(复)(杂)(市)(场)(环)(境)(下)(的)(持)(续)(盈)(利)(和)(业)(务)(转)(型)(减)(轻)(了)(负)(担)(。
盈)(利)(能)(力)(-归)(属)(于)(母)(公)(司)(股)(东)(的)(净)(利)(润)(
2017年)(上)(半)(年)(,受)(益)(于)(生)(息)(资)(产)(规)(模)(的)(扩)(张)(以)(及)(良)(好)(的)(成)(本)(管)(控)(,上)(市)(银)(行)(归)(属)(于)(母)(公)(司)(股)(东)(的)(净)(利)(润)(总)(额)(较)(去)(年)(同)(期)(增)(加)(5.35%,增)(速)(同)(比)(提)(高)(一)(倍)(。同)(时)(,在)(资)(产)(质)(量)(回)(稳)(的)(前)(提)(下)(,新)(增)(拨)(备)(速)(度)(的)(下)(降)(也)(降)(低)(了)(上)(市)(银)(行)(净)(利)(润)(增)(长)(的)(压)(力)(。
上)(市)(银)(行)(中)(,16家)(银)(行)(在)(2017年)(上)(半)(年)(实)(现)(了)(归)(属)(于)(母)(公)(司)(股)(东)(的)(净)(利)(润)(的)(两)(位)(数)(增)(长)(率)(。其)(中)(,贵)(阳)(银)(行)(实)(现)(了)(23.27%的)(最)(快)(增)(速)(,广)(州)(农)(商)(行)(也)(实)(现)(了)(超)(过)(20%的)(净)(利)(润)(增)(长)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(每)(股)(收)(益)(水)(平)(整)(体)(呈)(现)(上)(升)(趋)(势)(,体)(现)(了)(银)(行)(较)(为)(稳)(定)(的)(盈)(利)(能)(力)(。其)(中)(,20家)(上)(市)(银)(行)(的)(每)(股)(收)(益)(较)(去)(年)(同)(期)(提)(升)(,7家)(持)(平)(,12家)(下)(降)(。广)(州)(农)(商)(行)(每)(股)(收)(益)(提)(升)(23.08%,增)(幅)(最)(大)(。
随)(着)(我)(国)(金)(融)(改)(革)(的)(持)(续)(深)(入)(,各)(上)(市)(银)(行)(业)(绩)(表)(现)(稳)(中)(有)(升)(,2017年)(上)(半)(年)(,具)(有)(可)(比)(数)(据)(的)(35家)(上)(市)(银)(行)(中)(25家)(的)(股)(价)(较)(2016年)(年)(底)(上)(升)(。国)(有)(大)(型)(商)(业)(银)(行)(股)(价)(普)(遍)(实)(现)(上)(涨)(,平)(均)(涨)(幅)(13.06%。各)(上)(市)(银)(行)(中)(,半)(年)(以)(来)(股)(价)(涨)(幅)(最)(大)(的)(为)(招)(商)(银)(行)(,截)(至)(2017年)(上)(半)(年)(末)(为)(人)(民)(币)(23.91元)(/股)(,较)(2016年)(底)(收)(盘)(价)(的)(增)(幅)(为)(40.56%。
盈)(利)(能)(力)(-营)(业)(收)(入)(及)(结)(构)(分)(析)(
2017年)(上)(半)(年)(,上)(市)(银)(行)(营)(业)(收)(入)(总)(额)(较)(去)(年)(同)(期)(下)(降)(0.49%,主)(要)(是)(由)(于)(债)(市)(、汇)(市)(的)(波)(动)(使)(得)(2017年)(上)(半)(年)(投)(资)(收)(益)(大)(幅)(下)(降)(43.69%,以)(及)(受)(营)(改)(增)(和)(规)(范)(收)(费)(影)(响)(,利)(息)(收)(入)(增)(长)(较)(缓)(和)(手)(续)(费)(及)(佣)(金)(收)(入)(缩)(减)(导)(致)(。
2017年)(上)(半)(年)(上)(市)(银)(行)(营)(业)(收)(入)(构)(成)(分)(析)(:
"利)(息)(净)(收)(入)(占)(营)(业)(收)(入)(总)(额)(的)(69.57%,同)(比)(上)(升)(1.22个)(百)(分)(点)(;
"手)(续)(费)(及)(佣)(金)(净)(收)(入)(占)(营)(业)(收)(入)(总)(额)(的)(21.54%,同)(比)(下)(降)(0.09个)(百)(分)(点)(;
"投)(资)(收)(益)(占)(营)(业)(收)(入)(总)(额)(的)(2.50%,同)(比)(下)(降)(1.91个)(百)(分)(点)(;
"其)(他)(营)(业)(收)(入)(占)(营)(业)(收)(入)(总)(量)(的)(6.39%,同)(比)(上)(升)(0.78个)(百)(分)(点)(。
其)(他)(营)(业)(收)(入)(主)(要)(包)(括)(公)(允)(价)(值)(变)(动)(损)(益)(、汇)(兑)(损)(益)(和)(其)(他)(业)(务)(收)(入)(等)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(营)(业)(收)(入)(结)(构)(中)(,利)(息)(净)(收)(入)(平)(均)(占)(比)(为)(69.57%,手)(续)(费)(及)(佣)(金)(净)(收)(入)(平)(均)(占)(比)(为)(21.54%,而)(投)(资)(收)(益)(平)(均)(占)(比)(为)(2.50%。39家)(上)(市)(银)(行)(的)(利)(息)(净)(收)(入)(均)(在)(营)(业)(收)(入)(中)(占)(比)(最)(大)(。
各)(上)(市)(银)(行)(营)(业)(收)(入)(中)(均)(以)(利)(息)(净)(收)(入)(为)(主)(,收)(入)(结)(构)(较)(去)(年)(同)(期)(无)(重)(大)(变)(化)(。2017年)(上)(半)(年)(,上)(市)(银)(行)(专)(注)(于)(存)(贷)(等)(传)(统)(银)(行)(业)(务)(,同)(时)(亦)(寻)(求)(中)(间)(业)(务)(的)(稳)(定)(发)(展)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(营)(业)(收)(入)(规)(模)(增)(减)(不)(一)(,其)(中)(23家)(银)(行)(实)(现)(收)(入)(规)(模)(增)(加)(,而)(其)(余)(16家)(银)(行)(出)(现)(不)(同)(程)(度)(的)(下)(降)(。
在)(收)(入)(规)(模)(增)(加)(的)(银)(行)(中)(,贵)(阳)(银)(行)(以)(29.97%的)(涨)(幅)(实)(现)(最)(快)(增)(长)(,主)(要)(得)(益)(于)(利)(息)(净)(收)(入)(和)(手)(续)(费)(及)(佣)(金)(净)(收)(入)(的)(快)(速)(增)(长)(。
而)(收)(入)(规)(模)(缩)(减)(的)(银)(行)(则)(主)(要)(是)(因)(为)(受)(到)(投)(资)(收)(益)(大)(幅)(下)(降)(的)(影)(响)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(利)(息)(净)(收)(入)(总)(额)(小)(幅)(增)(加)(1.28%。受)(利)(率)(市)(场)(化)(带)(来)(的)(利)(差)(缩)(小)(以)(及)(营)(改)(增)(价)(税)(分)(离)(影)(响)(,银)(行)(业)(利)(息)(净)(收)(入)(增)(长)(较)(缓)(。
与)(营)(业)(收)(入)(变)(动)(趋)(势)(类)(似)(,上)(市)(银)(行)(中)(23家)(银)(行)(2017年)(上)(半)(年)(实)(现)(利)(息)(净)(收)(入)(增)(长)(,而)(其)(余)(16家)(银)(行)(则)(有)(所)(减)(少)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(的)(手)(续)(费)(及)(佣)(金)(净)(收)(入)(总)(额)(下)(降)(近)(一)(个)(百)(分)(点)(。银)(行)(业)(受)(规)(范)(收)(费)(等)(政)(策)(的)(影)(响)(,虽)(然)(业)(务)(量)(持)(续)(增)(长)(,但)(部)(分)(收)(费)(费)(率)(下)(调)(。同)(时)(由)(于)(MPA考)(核)(日)(趋)(严)(格)(,以)(及)(今)(年)(以)(来)(密)(集)(下)(达)(各)(类)(监)(管)(文)(件)(,上)(市)(银)(行)(压)(非)(标)(、缩)(同)(业)(,并)(且)(暂)(停)(了)(多)(项)(创)(新)(业)(务)(,导)(致)(了)(手)(续)(费)(及)(佣)(金)(收)(入)(来)(源)(缩)(减)(。
2017年)(上)(半)(年)(,39家)(上)(市)(银)(行)(中)(有)(25家)(银)(行)(实)(现)(手)(续)(费)(及)(佣)(金)(净)(收)(入)(的)(增)(加)(,其)(余)(14家)(则)(出)(现)(下)(降)(。
盈)(利)(能)(力)(-净)(息)(差)(和)(净)(利)(差)(
2017年)(上)(半)(年)(,上)(市)(银)(行)(平)(均)(净)(息)(差)(为)(2.00%,较)(去)(年)(同)(期)(的)(2.36%下)(降)(36个)(基)(点)(。而)(平)(均)(净)(利)(差)(为)(1.86%,亦)(同)(比)(下)(降)(35个)(基)(点)(。
上)(市)(银)(行)(中)(,仅)(3家)(实)(现)(净)(息)(差)(和)(净)(利)(差)(小)(幅)(上)(升)(。
上)(市)(银)(行)(净)(息)(差)(普)(遍)(呈)(现)(收)(窄)(趋)(势)(,主)(要)(是)(由)(于)(:1)利)(率)(市)(场)(化)(的)(推)(进)(及)(同)(业)(竞)(争)(的)(进)(一)(步)(加)(剧)(,导)(致)(存)(款)(利)(率)(的)(上)(浮)(比)(例)(出)(现)(小)(幅)(上)(升)(,而)(资)(产)(端)(收)(益)(率)(提)(升)(困)(难)(;2)受)(到)(营)(改)(增)(影)(响)(,自)(2016年)(5月)(1日)(开)(始)(实)(施)(后)(,利)(息)(收)(入)(需)(进)(行)(价)(税)(分)(离)(,导)(致)(生)(息)(资)(产)(的)(平)(均)(收)(益)(率)(下)(降)(所)(致)(。
盈)(利)(能)(力)(-营)(业)(支)(出)(与)(成)(本)(收)(入)(比)(
银)(行)(业)(近)(年)(来)(持)(续)(贯)(彻)(成)(本)(节)(约)(和)(效)(率)(提)(升)(的)(方)(针)(。2017年)(上)(半)(年)(,18家)(上)(市)(银)(行)(营)(业)(支)(出)(出)(现)(下)(降)(,其)(余)(21家)(上)(市)(银)(行)(基)(于)(业)(务)(规)(模)(的)(扩)(张)(,大)(部)(分)(保)(持)(10%左)(右)(的)(稳)(步)(增)(加)(。
2017年)(上)(半)(年)(,上)(市)(银)(行)(平)(均)(成)(本)(收)(入)(比)(为)(28.60%,较)(上)(年)(同)(期)(增)(加)(1.24个)(百)(分)(点)(。其)(中)(,锦)(州)(银)(行)(以)(15.83%的)(成)(本)(收)(入)(比)(保)(持)(最)(低)(水)(平)(。
考)(虑)(到)(趋)(严)(的)(外)(部)(监)(管)(环)(境)(,以)(及)(金)(融)(业)(日)(趋)(市)(场)(化)(,商)(业)(银)(行)(未)(来)(需)(要)(在)(保)(持)(合)(规)(性)(的)(同)(时)(通)(过)(持)(续)(的)(产)(品)(、服)(务)(创)(新)(来)(保)(持)(自)(身)(竞)(争)(力)(,并)(需)(要)(不)(断)(提)(高)(经)(营)(效)(率)(,保)(持)(合)(理)(的)(成)(本)(收)(入)(比)(,以)(维)(持)(良)(好)(的)(盈)(利)(水)(平)(。
盈)(利)(能)(力)(-资)(产)(减)(值)(损)(失)(
2017年)(上)(半)(年)(,受)(国)(内)(经)(济)(增)(速)(趋)(稳)(、产)(业)(结)(构)(调)(整)(升)(级)(深)(入)(推)(进)(等)(因)(素)(的)(综)(合)(影)(响)(,银)(行)(业)(资)(产)(质)(量)(在)(继)(续)(承)(压)(的)(同)(时)(,信)(用)(风)(险)(暴)(露)(开)(始)(呈)(现)(放)(缓)(趋)(势)(。基)(于)(信)(贷)(资)(产)(规)(模)(扩)(张)(速)(度)(和)(信)(贷)(质)(量)(的)(变)(化)(情)(况)(,上)(市)(银)(行)(2017年)(上)(半)(年)(资)(产)(减)(值)(损)(失)(计)(提)(总)(额)(较)(去)(年)(同)(期)(增)(长)(2.13%,其)(中)(,26家)(银)(行)(计)(提)(速)(度)(加)(快)(,其)(余)(13家)(银)(行)(则)(有)(所)(减)(缓)(。
盈)(利)(能)(力)(-成)(本)(控)(制)(-业)(务)(及)(管)(理)(费)(和)(员)(工)(成)(本)(
2017年)(上)(半)(年)(,大)(部)(分)(上)(市)(银)(行)(业)(务)(及)(管)(理)(费)(同)(比)(上)(涨)(,主)(要)(由)(于)(业)(务)(规)(模)(的)(扩)(大)(,以)(及)(新)(业)(务)(战)(略)(调)(整)(和)(转)(型)(过)(程)(中)(的)(系)(统)(投)(入)(等)(方)(面)(支)(出)(上)(升)(所)(致)(。
2017上)(半)(年)(,除)(6家)(上)(市)(银)(行)(员)(工)(成)(本)(下)(降)(外)(,其)(余)(上)(市)(银)(行)(员)(工)(成)(本)(均)(不)(同)(程)(度)(增)(长)(,平)(均)(涨)(幅)(为)(7.59%。其)(中)(,重)(庆)(银)(行)(和)(贵)(阳)(银)(行)(的)(增)(幅)(均)(超)(过)(30%,处)(于)(较)(高)(水)(平)(。
2、银)(行)(业)(热)(点)(话)(题)(探)(讨)(
热)(点)(话)(题)(一)(银)(监)(会)(强)(化)(监)(管)(——“三)(三)(四)(”专)(项)(治)(理)(
近)(年)(来)(,国)(内)(经)(济)(运)(行)(仍)(面)(临)(较)(为)(突)(出)(的)(矛)(盾)(和)(问)(题)(,国)(内)(金)(融)(发)(展)(也)(面)(临)(多)(方)(面)(的)(挑)(战)(,在)(全)(球)(经)(济)(金)(融)(体)(系)(的)(复)(杂)(性)(、不)(稳)(定)(性)(、不)(确)(定)(性)(仍)(然)(在)(增)(加)(的)(背)(景)(下)(,银)(行)(业)(总)(体)(风)(险)(抵)(御)(工)(作)(仍)(较)(为)(严)(峻)(。根)(据)(2016年)(中)(央)(经)(济)(工)(作)(会)(议)(要)(求)(,稳)(中)(求)(进)(的)(工)(作)(总)(基)(调)(依)(然)(是)(治)(国)(理)(政)(的)(重)(要)(原)(则)(,也)(是)(做)(好)(经)(济)(工)(作)(的)(方)(法)(论)(。继)(续)(深)(化)(供)(给)(侧)(结)(构)(性)(改)(革)(仍)(将)(是)(2017年)(度)(的)(主)(要)(工)(作)(。银)(监)(会)(按)(照)(稳)(中)(求)(进)(的)(总)(基)(调)(,进)(一)(步)(研)(究)(确)(定)(了)(银)(行)(业)(监)(管)(工)(作)(的)(总)(体)(方)(向)(和)(重)(点)(领)(域)(,以)(引)(导)(银)(行)(业)(回)(归)(本)(源)(,提)(高)(服)(务)(实)(体)(经)(济)(的)(能)(力)(和)(水)(平)(,并)(牢)(守)(不)(发)(生)(系)(统)(性)(风)(险)(的)(底)(线)(。自)(今)(年)(3月)(下)(旬)(以)(来)(,银)(监)(会)(已)(密)(集)(下)(发)(多)(份)(监)(管)(文)(件)(,其)(中)(,备)(受)(行)(业)(关)(注)(的)(是)(“三)(违)(反)(”银)(监)(办)(发)(【2017】45号)(文)(、“三)(套)(利)(”银)(监)(办)(发)(【2017】46号)(文)(、“四)(不)(当)(”银)(监)(办)(发)(【2017】53号)(文)(,也)(就)(是)(业)(内)(简)(称)(的)(“三)(三)(四)(”检)(查)(。
此)(外)(,上)(半)(年)(监)(管)(的)(集)(中)(发)(文)(还)(包)(括)(银)(监)(发)(【2017】5号)(文)(《关)(于)(集)(中)(开)(展)(银)(行)(业)(市)(场)(乱)(象)(整)(治)(工)(作)(的)(通)(知)(》、银)(监)(发)(【2017】6号)(文)(《关)(于)(银)(行)(业)(风)(险)(防)(控)(工)(作)(的)(指)(导)(意)(见)(》、银)(监)(发)(【2017】7号)(文)(《关)(于)(切)(实)(弥)(补)(监)(管)(短)(板)(提)(升)(监)(管)(效)(能)(的)(通)(知)(》等)(相)(关)(重)(要)(文)(件)(。
“三)(三)(四)(”专)(项)(治)(理)(总)(体)(安)(排)(为)(,银)(行)(业)(金)(融)(机)(构)(负)(责)(组)(织)(实)(施)(本)(系)(统)(各)(级)(机)(构)(自)(查)(,银)(监)(会)(各)(机)(构)(监)(管)(部)(门)(负)(责)(组)(织)(推)(动)(所)(有)(自)(查)(、“上)(对)(下)(”抽)(查)(及)(督)(导)(。一)(般)(情)(况)(下)(,机)(构)(自)(查)(和)(监)(管)(检)(查)(业)(务)(范)(围)(均)(为)(2016年)(末)(有)(余)(额)(的)(各)(类)(业)(务)(。此)(外)(,对)(“三)(违)(反)(”和)(“三)(套)(利)(”的)(自)(查)(,银)(监)(会)(要)(求)(各)(银)(行)(金)(融)(机)(构)(于)(2017年)(6月)(12日)(前)(将)(资)(产)(报)(告)(报)(送)(监)(管)(部)(门)(,并)(于)(2017年)(11月)(30日)(前)(,全)(面)(完)(成)(自)(查)(以)(及)(监)(管)(检)(查)(发)(现)(问)(题)(的)(整)(改)(和)(问)(责)(工)(作)(,并)(形)(成)(报)(告)(报)(送)(监)(管)(部)(门)(。对)(“四)(不)(当)(”的)(自)(查)(,银)(监)(会)(要)(求)(各)(银)(行)(金)(融)(机)(构)(于)(2017年)(7月)(15日)(前)(将)(自)(查)(报)(告)(报)(送)(监)(管)(部)(门)(。
近)(期)(监)(管)(处)(罚)(动)(态)(
根)(据)(银)(监)(会)(行)(政)(处)(罚)(公)(告)(,“三)(三)(四)(”专)(项)(治)(理)(文)(件)(下)(发)(后)(百)(日)(内)(,包)(括)(银)(监)(会)(机)(关)(、银)(监)(局)(及)(银)(监)(分)(局)(在)(内)(的)(整)(个)(银)(监)(系)(统)(对)(国)(内)(银)(行)(业)(金)(融)(机)(构)(的)(各)(类)(处)(罚)(主)(要)(集)(中)(在)(信)(贷)(业)(务)(、同)(业)(业)(务)(及)(其)(他)(违)(规)(事)(项)(,从)(主)(要)(处)(罚)(事)(项)(上)(来)(看)(,相)(应)(的)(监)(管)(处)(罚)(重)(点)(已)(能)(够)(反)(映)(出)(本)(次)(“三)(三)(四)(”专)(项)(治)(理)(工)(作)(的)(主)(要)(精)(神)(,即)(对)(违)(规)(交)(易)(、风)(险)(业)(务)(及)(偏)(离)(服)(务)(实)(体)(经)(济)(的)(行)(为)(进)(行)(集)(中)(整)(治)(。相)(信)(随)(着)(监)(管)(在)(“三)(三)(四)(”专)(项)(治)(理)(工)(作)(中)(就)(银)(行)(业)(各)(金)(融)(机)(构)(所)(发)(现)(问)(题)(的)(深)(入)(了)(解)(和)(掌)(握)(,将)(来)(能)(够)(进)(一)(步)(对)(银)(行)(业)(所)(蕴)(含)(的)(潜)(在)(风)(险)(和)(问)(题)(开)(展)(更)(加)(广)(泛)(和)(深)(入)(的)(整)(治)(工)(作)(。
近)(期)(银)(监)(系)(统)(公)(告)(的)(主)(要)(监)(管)(处)(罚)(事)(项)(
违)(规)(发)(放)(贷)(款)(及)(虚)(假)(发)(放)(脱)(离)(信)(贷)(需)(求)(的)(贷)(款)(;信)(贷)(业)(务)(“三)(查)(”不)(到)(位)(、对)(贷)(款)(资)(金)(用)(途)(监)(控)(不)(力)(、违)(反)(审)(慎)(经)(营)(规)(则)(;办)(理)(无)(真)(实)(贸)(易)(背)(景)(银)(行)(承)(兑)(汇)(票)(、票)(据)(业)(务)(违)(规)(操)(作)(;贷)(款)(风)(险)(分)(类)(不)(准)(确)(;同)(业)(业)(务)(不)(合)(规)(、违)(反)(审)(慎)(经)(营)(规)(则)(;?其)(他)(日)(常)(经)(营)(活)(动)(中)(所)(发)(现)(的)(合)(规)(问)(题)(及)(违)(规)(操)(作)(问)(题)(。
热)(点)(话)(题)(二)(金)(融)(服)(务)(与)(“一)(带)(一)(路)(”
“一)(带)(一)(路)(”发)(展)(战)(略)(框)(架)(于)(2013年)(10月)(首)(次)(提)(出)(,旨)(在)(促)(进)(欧)(亚)(国)(家)(和)(地)(区)(之)(间)(的)(贸)(易)(投)(资)(和)(人)(文)(交)(流)(。“一)(带)(一)(路)(”主)(要)(涵)(盖)(亚)(太)(、欧)(亚)(、中)(东)(等)(地)(区)(65个)(国)(家)(。沿)(线)(国)(家)(总)(人)(口)(超)(过)(44亿)(,占)(世)(界)(人)(口)(的)(63%;经)(济)(总)(量)(超)(过)(20万)(亿)(美)(元)(,占)(全)(球)(经)(济)(总)(量)(的)(30%2。“一)(带)(一)(路)(”沿)(线)(国)(家)(大)(多)(为)(新)(兴)(经)(济)(体)(和)(发)(展)(中)(国)(家)(,普)(遍)(处)(于)(经)(济)(发)(展)(上)(升)(期)(,对)(基)(础)(设)(施)(建)(设)(、贸)(易)(及)(投)(资)(存)(在)(巨)(大)(需)(求)(。
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