银行业运行分析及展望

Banking Operation Analysis and Outlook

2019年,在外部风险挑战明显增多和内部经济下行压加大的背景下,银行业总体保持平稳发展,主要指标处于合理区间,盈利能力明显回升,资产负债规模增长稳健,净息差有所反弹,非利息收入占比略有上升,风险压力整体平稳。但也面临着同质化竞争激烈、信用风险上升、外向型企业风控压力较大和金融科技冲击等问题。预计未来银行业资产负债对利润增长贡献将有所下降,资产质量保持稳定,净息差基本平稳,经营管理面临较大考验。建议银行业积极服务国家战略,推动金融供给侧改革,练好三大内功,提升风险预警和管控能力,加快数字化转型步伐。

In 2019,under the background of the obvious increase in external risk challenges and internal economic pressure,the banking industry maintained stable development,with the main indicators were in a reasonable range,the profitability rebounded remarkably,and the scale of assets and liabilities grew steadily,the net interest margin rebounded,the proportion of non-interest income has increased slightly,and the risk pressure has been stable overall.However,it also faces problems such as fierce competition for homogenization,rising credit risk,greater pressure on export-oriented enterprises,and financial technology shocks.It is expected that the contribution of banking assets and liabilities to profit growth will decline in the future,the asset quality will remain stable,the net interest margin will be basically stable,and business management will face greater challenges.It is recommended that the banking industry actively serve the national strategy,promote the reform of the financial supply side,train the three internal strengths,enhance the risk early warning and control capabilities,and accelerate the pace of digital transformation.