A股上市银行经营发展问题及趋势展望

Research and Analysis on Annual Report of A-Share Listed Banks

本文对38家A股上市银行2020年年报进行分析,结果显示:2020年上市银行资产负债规模稳步扩张,资产质量保持稳定,资本充足水平有所提升,盈利能力基本持平,理财业务转型成效显著,金融支持实体经济力度增强。同时,仍存在资产质量下迁压力增大、多家银行房地产贷款触碰红线、利润增速及非息收入下滑、个人消费贷款增长疲软等问题。本文对上市银行发展趋势进行了展望,认为上市银行中长期资本水平和资产质量将逐步承压,金融支持实体经济和绿色金融发展力度将进一步增强,后疫情时代科技将赋能银行转型,以应对宏观经济和行业竞争挑战。

By April 30th,2020,38 A share listed banks have disclosed their annual reports.It shows that the scale of bank assets and liabilities have expanded steadily in 2020,asset quality and profitability have remained stable while capital adequacy levels have improved.It is also notable that the transformation of financial management business has achieved remarkable results,and financial support for the real economy has continued to progress.However,there are increasing pressure on banks*asset quality and many banks'real estate loans are reaching the red line.Furthermore,decline in profit growth and non-interest income,weak growth in personal consumption loans has continued to become the main challenges for listed banks.In the medium and long run it is expected that,capital adequacy levels and asset quali・ty for listed banks will facing more pressure,financial support for the the real economy and green industry will be further strengthened,technology will empower banks to deepen transformation to meet with the macroeconomic challenges and intense competition in the Post-COVID-era.