满源彩票注册

新冠肺炎疫情对银行业净利和不良率造成哪些影响?

XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG XINGUANFEIYANYIQINGQI, YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG ZHONGXIAOQIYEDESHENGCUNHUATICHENGWEIYULUNJIAODIAN。RANERYUZHONGXIAOQIYEJINMIXIANGLIANDEYINXINGYE,YEMIAN

满源彩票注册新冠肺炎疫情会对银行业净利润和不良率造成怎样的影响

新冠肺炎疫情期,

满源彩票注册 YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

中小企业的生存话题成为舆论焦点。然而与中小企业紧密相连的银行业,也面临着疫情“大考”。此次疫情期会对银行业造成怎样的影响?

HUOYINGXIANGZICHANZHILIANGHEXINDAIXUQIU

DUOWEIFENXISHIBIAOSHI,CICIYIQINGDUIYINXINGZUIDADECHONGJISHIZICHANZHILIANGHEXINDAIXUQIU。

银行业首席分析师廖志明认为,疫情之下,餐饮住宿、旅游业、交通运输业等行业受冲击大。大企业抗风险能力强,但中小微企业受冲击大,预计这些行业中小微企业贷款质量将有所恶化。餐饮住宿等行业小微商户收入锐减,资金周转难,这些行业的小微商户个人经营性贷款不良率短期或明显上升。疫情严重地区的信用卡贷款、消费贷款资产质量恐有短期冲击。不良贷款增加或许会影响盈利增速。由于城商行、农商行小微贷款占比较高,

满源彩票注册 YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

受疫情冲击或更大些,特别是疫情严重的湖北省内中小银行。

LIAOZHIMINGBIAOSHI,YIQINGDUIYINXINGYEXICHAYOUYIDINGYINGXIANG,TIXIANWEIRANGLISHITIJINGJI。2YUE3RI,YANGXINGKAIZHANLE1.2WANYINIHUIGOUCAOZUO,BINGXIADIAOLE7TIANHE14TIANNIHUIGOULILV10GEJIDIAN,YUJIMLFLILVJIBENYUELPRLILVJIANGTONGBUXIADIAO10GEJIDIAN。YOUYU2020NIANCUNLIANGFUDONGLILVDAIKUANDINGJIAJIZHUNJIANGZHUANHUANZHILPR,SHIDEZHEIBUFENDAIKUANLILVBEIDONGGENSUILPRLILVXIAJIANG。DANGQIAN,CUNKUANLILVJUGAOBUXIA,DAIKUANLILVXIAJIANGJIANGZHIJIEYINGXIANGYINXINGJINGXICHA。

廖志明团队在研报中测算,基于对疫情相对审慎的假设,并考虑到MLF利率下调对同业负债成本及债券投资利息收入等的影响,预计2020年LPR利率下降20个基点将影响银行净息差6.6个基点,影响银行净利润增速5.2个百分点。不过,

YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

由于按揭贷款等重定价周期较长,LPR利率下调部分影响在2021年体现,预计影响2020年净利润增速约2.5个百分点。

满源彩票注册 YINXINGYESHOUXIFENXISHIYANGRONGFENXIRENWEI,QIYEYANQIFUGONG,MINZHONGSHENJUJIANCHU,KENENGDAOZHIYIJIDUYOUXIAOXINDAIXUQIUXIAHUA,TUOLEIYINXINGYIJIDUKUOBIAOHEYINGSHOUZENGZHANG。JUMINDERICHANGXIAOFEIJIANSHAO,SHIBIJIANSHAORISHIZHUXINGDEXUQIU,ZHONGXIAOQIYEZAICHUNJIEQIJIANDEZHENGCHANGYINGYESHOURUJIANGXIANZHUDIYUYUQI,DUANQINEIDEQINGCHANGZHAIWUNENGLIXIAJIANG。YOUQISHICANYIN、JIAOTONG、BAIHUO、LINGSHOUXINGYE。ERZHEILEIKEHUJUDUODEYINXINGSHOUDAODECHONGJIJIANGGENGJIAXIANZHU。

DUODICHUTAIZHENGCE,TIGAOBULIANGRONGRENDU

满源彩票注册 ZHENDUIKENENGCHUXIANDESHANGSHUQINGKUANG,BUSHAODIQUDEYINBAOJIANJUDENGJIANGUANJIGOUJINQICHUTAIZHENGCE,MINGQUETICHUKEYI“TIGAOBULIANGLVRONGRENDU”。

比如,

YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

上海银保监局发布《关于进一步做好疫情防控 支持企业发展保障民生服务的通知》,要求在沪银行保险机构要改进绩效考核体系,对疫情相关业务在内部定价方面进行倾斜支持,

满源彩票注册 SHIDANGJIANGDILIRUNKAOHEBIZHONGHEYUQIZENGFU,TIGAOBULIANGRONGRENDU、SHEHUIZERENCHENGDANDENGFEIYINGLIZHIBIAO

ZAIJIXIAOKAOHEZHONGDEBIZHONG。TONGSHI,DUISHOUYIQINGYINGXIANGZANSHISHIQUSHOURULAIYUANDEQIYE,KEYIDIAOZHENGHOUDEHAIKUANANPAIBAOSONGXINYONGJILU,

BUQIANGZHIYAOQIUCILEIYUQI90TIANHUO60TIANYISHANGDEDAIKUANGUIWEIBULIANG

。

JIANGSUYINBAOJIANJUFABU《GUANYUQIESHIZUOHAOXINGUANFEIYANYIQINGFANGKONGHEQIYEFUGONGFUCHANJINRONGFUWUDETONGZHI》,DUIYUYIQINGFANGKONGQIJIANFUHETIAOJIANSHIXINGYANQIHAIKUANDEGELEIDAIKUAN,BUNARUYUQITONGJI,BUJIASHOUFAXI。GEYINXINGJIGOUYAOFENLEISHICE,BUDANDUYINYIQINGYINGXIANGYINSUXIADIAODAIKUANFENGXIANFENLEI。

JIANGUANBUMENJIANGZHUOQINGJINYIBUFANGKUANYIQINGYINGXIANGQIJIANXIAOWEIQIYEBULIANGDAIKUANRONGRENDU,BINGDUI2020NIANHEXIAODEXIAOWEIQIYEBULIANGDAIKUANJINXINGHAIYUANTONGJIKAOHE。

浙江银保监局也出台政策,在一级响应期间,还款有困难或有续贷意愿的企业,银行业原则上将采取不转逾期、不计罚息、不下调贷款分类、不影响征信的政策。一级响应期间以及疫后3个月内到期的企业贷款,

满源彩票注册 YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

银行将会逐户排查,逐户明确信贷支持方案,提前与企业做好沟通。在疫后恢复生产时期,银行会视情况对还款困难的企业设定合理的宽限期。

YIWEIZHEJIANGNONGSHANGXINGXIANGGUANFUZERENXIANGPENGPAIXINWENJIZHEBIAOSHI,SUIRANJIEDAOLEYINBAOJIANJUDETONGZHI,DANMUQIANGUANYUBULIANGLVDERENDINGDENGKAOHEZHENGCEHAIMEIMINGQUE,YINWEIXIANZAIDOUHAIMEIYOUKAIGONGFUCHAN,HENDUOQINGKUANGDAIDING。

YIWEIGUFENXINGHANGZHOUFENXINGKEHUJINGLIGAOSUPENGPAIXINWEN,TAMENXINGDEZHIXINGQINGKUANGSHI,YANHUANDAOQIHAIKUANYIJINGTONGZHILE,KANGYIQINGDEDANWEIRONGZIHUIBIJIAOTONGCHANG,GUANYUTIGAOBULIANGLVRONGRENDUHUOZHELILVXIADIAOHAIYAODENGHOUXUXINGNEIDETONGZHI。

满源彩票注册 JUTIYINGXIANGYINGSHI“QUANMIANFUGONG”SHIJIANPINGGU

YIWEIHUADONGDIQUSHANGSHICHENGSHANGXINGGAOGUANGAOSUPENGPAIXINWEN, MUQIANGAIXINGZHUYAOSHIZAILVSETONGDAO、FEIYONGJIANMIAN、ZHUANXIANGEDUFANGMIANDUIQIYEKEHUYUYIZHICHI。

“要说疫情对银行业的影响,具体要看全面复工的时间,如果2月底3月初全面复工,我觉得对于银行业的影响是微乎其微的,银行的抗风险能力比大家想象中的大。像西贝广泛流传的董事长采访,

YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

说的是三个月都无法复工的情况。对于银行来说,大多数客户对于十天或者半个月的现金流储备还是有的。所以这几天来看影响不是很大。但是复工时间再往后推迟,那就要另行评估了。”该人士表示。

中泰证券银行业首席分析师戴志锋也持同样观点。他认为,

YUANBIAOTI:DIAOCHA|XINGUANFEIYANYIQINGHUIDUIYINXINGYEJINGLIRUNHEBULIANGLVZAOCHENGZENYANGDEYINGXIANG

对经济而言,目前疫情防控和复工是有矛盾的,下判断为时尚早。重点需要观察全面复工的时间点,才能具体评估对银行的影响。

满源彩票注册 LIAOZHIMINGYEBIAOSHI,KAOLVDAOYINXINGYEWANGWANGHUITONGGUOZICHANJIXINDAIJIEGOUDIAOZHENGLAIYINGDUIXICHAYALI,BINGTONGGUOBOBEIDIAOJIE、JIAKUAIHEXIAODENGLAIPINGHUAYEJIBODONGJIBULIANGDAIKUANSHUJU,JINGLIRUNZENGSUBODONGYUJIHUIGENGXIAO。CIWAI,KAOLVDAOXINDAITOUFANGLIDUYUJIJIADA,YILIANGBUJIA,ZICHANGUIMOZENGSUHUOXIAOFUSHANGSHENG,2020NIANSHANGSHIYINXINGJINGLIRUNZENGSUYUJITONGBIXIAOFUXIAJIANG。TANGRUOYIQINGNENGGOUGENGKUAIDEDAOKONGZHI,FUGONGJINDUJIAKUAI,QIYINGXIANGHUIGENGXIAOXIE。

XINGUANFEIYANYIQINGDUIYINXINGYEJINGLIHEBULIANGLVZAOCHENGNAXIEYINGXIANG?DEMANYUANCAIPIAOZHUCEXIANGGUANDEWENZHANGTUIJIAN:

新冠肺炎疫情短期冲击银行业 整体影响较为可控

满源彩票注册YUANBIAOTI:XINGUANFEIYANYIQINGDUANQICHONGJIYINXINGYE ZHENGTIYINGXIANGJIAOWEI...POQIEXUYAODUIBUFENXINGYEDEZICHANZHILIANGJINXINGGUANZHU,YUCITONGSHI,GENG...“TESHITEBAN”,FANGKUANBULIANGLVDERONGRENDU,JIYUYINGYOUDEZHICHI...

新冠肺炎疫情对我国金融业的影响分析

XINGUANFEIYANYIQINGDUIYINXINGYEDECHONGJIYIJIANJIEYINGXIANGWEIZHU,ZHENGTIKEKONG。GENJU“FEIDIAN”JINGYAN,YUJIXINGUANFEIYANYIQINGZAIDUANQINEIJIANGDUIYINXINGXINDAIXUQIUCHANSHENGZANSHIXINGCHONGJI,DUIYIQINGYANZHONGDIQUYINGXIANGPIANDA;YIQINGJIANG...

TUIJIANWENZHANG:

  • 最小仅2岁 四川巴中又有6例新冠肺炎患者治愈出院

    满源彩票注册ZUIXIAOJIN2SUI SICHUANBAZHONGYOUYOU6LIXINGUANFEIYANHUANZHEZHIYUCHUYUAN JINGGUOYIHURENYUANDEJINGXINZHILIAO,JINTIAN(2YUE20RI)BAZHONGYOUYOU6LIXINGUANFEIYANHUANZHEZHIYUCHUYUAN,QIZHONGNIANLINGZUIXIAODE2SUI。...

  • 阶段性减免企业社保费信息速递

    JIEDUANXINGJIANMIANQIYESHEBAOFEIXINXISUDI XINGUANFEIYANYIQINGRENGZAICHIXUXUDUOZHONGXIAOQIYESHOUYIQINGYINGXIANGCHUJINGJIANNANGUOJIA、SHENG、SHIXIANGJICHUTAIYIXILIEJUCUOZHICHIQIYEPINGWENJIANKANGFAZHANWENJIUYE BAOJINGYING2YUE18RI,GUOWUYUANYOUYIZHONGBANGJUCUOGUANXUANJIEDUANXINGJIANMIANQIYESANXIANGSHEBAOFEISHUNJIAN...

  • 省教育厅教研室给普通高中线上教学的十条建议

    SHENGJIAOYUTINGJIAOYANSHIJIPUTONGGAOZHONGXIANSHANGJIAOXUEDESHITIAOJIANYI QUANSHENGGEPUTONGGAOZHONGYINGDUIYIQINGKAIZHANXIANSHANGJIAOXUEHUODONGYIYOUYIGEDUOXINGQI,SHENGJIAOYANSHIZAILEJIEGEDIKAIZHANXIANSHANGJIAOXUESHISHIQINGKUANGDEJICHUSHANG,JIEHEGAOZHONGXUEDUANDESHIJIQINGKUANG,XIANGYIXIANXUEXIAOXIAOZHANGHEJIAOSHITICHUJIXUKAIZHAN...

  • 记山西绛县公安局交通管理大队安峪中队副中队长张连龙

    满源彩票注册JISHANXIJIANGXIANGONGANJUJIAOTONGGUANLIDADUIANYUZHONGDUIFUZHONGDUIZHANGZHANGLIANLONG YIQINGMIANQIAN,YONGGANNIXING,BENFUKANGYIZUIQIANYAN;YIQINGMIANQIAN,JIANSHOUGANGWEI,MOMOZHANDOUZAIZHIQINYIXIAN。...

  • 感动!粉碎任何阴谋论!全球科学家在Lancet上共同为中国加油鼓劲!

    满源彩票注册GANDONG!FENSUIRENHEYINMOULUN!QUANQIUKEXUEJIAZAILancetSHANGGONGTONGWEIZHONGGUOJIAYOUGUJING! ZHONGSUOZHOUZHI,KEXUESHIWUGUOJIEDE,YOUQISHIMIANDUIZHEBAOGUIDESHENGMING。RUJIN,KANGJIXINGUANFEIYANYIQINGYIJINRUGUANJIANSHIQI,QUANSHIJIEKEXUEJIAMENZHENGHEZHONGGUOZHANZAIYIQI,YONGGEZHONGXINGDONGGONGTONGKANGYI...

  • 考生请注意!北京市3月份教育考试工作将推迟举行

    KAOSHENGQINGZHUYI!BEIJINGSHI3YUEFENJIAOYUKAOSHIGONGZUOJIANGTUICHIJUXING WEIZUOHAOXINXINGGUANZHUANGBINGDUFEIYANYIQINGFANGKONGGONGZUO,QUEBAOGUANGDAKAOSHENGSHENGMINGANQUANHESHENTIJIANKANG,JINRI,BEIJINGJIAOYUKAOSHIYUANZHENGSHIFABU《GUANYUTUICHIJUXINGYIQINGQIJIANWOSHIJIAOYUKAOSHIDETONGGAO》,NEIRONGRUXIA:...

  • 民生银行乌鲁木齐分行开展零接触线上化业务办理助

    DANGQIAN,XINGUANFEIYANYIQINGCHIXUMANYAN,JUMIANJINRONGFUWUSHOUZU,WEILEBAOZHANGQIYEKUAJINGSHOUZHIYEWUZHENGCHANGKAIZHAN,WULUMUQIFENXINGBENZHE“YUANLIYIQING BULIFUWU”DEZONGZHI,JIJILIYONG“DANYICHUANGKOU”XIANSHANGHUAFUWUYOUSHI,KAIPIWAIHUIJIKUAJINGHUIKUANYEWU“LVSETONGDAO”,QIE...

  • 财政部:跟踪重点行业区域群体就业形势,及时调整完善现政策

    2YUE20RIXIAWU,GUOWUYUANYINGDUIXINXINGGUANZHUANGBINGDUGANRANFEIYANYIQINGLIANFANGLIANKONGJIZHIJUXINGXINWENFABUHUI,JIESHAOJIEDUANXINGJIANMIANQIYESHEBAOFEI、YIBAOFEIHEHUANJIAOZHUFANGGONGJIJINYOUGUANQINGKUANG,BINGHUIDAJIZHETIWEN。...

  • “无接触”复工,高端餐饮的线上新机遇

    满源彩票注册“WUJIECHU”FUGONG,GAODUANCANYINDEXIANSHANGXINJIYU YIQINGZHIXIA,GAODUANCANYINSHANGJIAFENFENYONGBAOWAIMAI。...

  • “村里长辈记得我们 我们的话老人都能耐心听”松江这群“95后”防疫宣传优势足

    ZAIZHEICHANGXINGUANFEIYANYIQINGFANGKONGZUJIZHANZHONG,SONGJIANGGETIAOZHANXIANSHANGDEGONGZUORENYUANHEZHIYUANZHEBENMANGZAIZHAN“YI”XIANCHANG。WANQIANKANG“YI”DESHENYINGLI,ZHEIQUN“95HOU”JIEGUOLEDAQI,HUOYUEZAIYIXIAN,CHENGLEZHULIJUN。...

  • BIAOTI:XINGUANFEIYANYIQINGDUIYINXINGYEJINGLIHEBULIANGLVZAOCHENGNAXIEYINGXIANG?|http://gnc-sp.com/54726.html

    本文来自网络,不代表本站立场,转载请注明出处!