招商银行2023年业绩首次下降，低成本负债优势成应对之道

和讯网03-28

招商银行发布了2023年的业绩，营收出现了13年来的首次下降。在招行的业绩发布会上，行长王良表示，今年一季度银行业的经营压力进一步加大。去年下半年以来，LPR（贷款市场利率报价）和存量按揭贷款利率等政策都有所下调，对商业银行的利息、非息收入造成了压力。招商银行的营业收入也同步下降，利息净收入和手续费及佣金收入都出现了1.6%以上的下降。在去年，招行的贷款定价出现了下行，这是银行业普遍面临的问题。...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2422597128?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2024-03-28 07:36","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2422597128","market":"hk","top_or_hot":-1,"title":"招商银行2023年业绩首次下降，低成本负债优势成应对之道","media":"和讯网","content":"<div>\n<p>招商银行发布了2023年的业绩，营收出现了13年来的首次下降。在招行的业绩发布会上，行长王良表示，今年一季度银行业的经营压力进一步加大。去年下半年以来，LPR（贷款市场利率报价）和存量按揭贷款利率等政策都有所下调，对商业银行的利息、非息收入造成了压力。招商银行的营业收入也同步下降，利息净收入和手续费及佣金收入都出现了1.6%以上的下降。在去年，招行的贷款定价出现了下行，这是银行业普遍面临的问题。...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202403280815318b6b6464&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>招商银行2023年业绩首次下降，低成本负债优势成应对之道</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n招商银行2023年业绩首次下降，低成本负债优势成应对之道\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-03-28 07:36 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202403280815318b6b6464&s=b><strong>和讯网</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>招商银行发布了2023年的业绩，营收出现了13年来的首次下降。在招行的业绩发布会上，行长王良表示，今年一季度银行业的经营压力进一步加大。去年下半年以来，LPR（贷款市场利率报价）和存量按揭贷款利率等政策都有所下调，对商业银行的利息、非息收入造成了压力。招商银行的营业收入也同步下降，利息净收入和手续费及佣金收入都出现了1.6%以上的下降。在去年，招行的贷款定价出现了下行，这是银行业普遍面临的问题。...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202403280815318b6b6464&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0516423174.USD","symbol_name":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202403280815318b6b6464&s=b","article_id":"2422597128","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202403280815318b6b6464&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2422597128","pubTimestamp":1711582604,"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"招商银行发布了2023年的业绩，营收出现了13年来的首次下降。此外，外部环境对银行业的影响可能更大，去年招行的营业收入同比下降了1.64%。为了应对这些压力，招行将发挥低成本负债优势，扩大低成本负债资金来源，同时在贷款投放和非息收入增长方面做出相应调整。招行在2023年的年报中还提出，将继续推进财富管理业务的发展，提升财富管理手续费及佣金收入贡献，实现交易收入的挖潜增收。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"600036":"招商银行","LU0516423174.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","LU1688375341.USD":"贝莱德中国灵活股票基金","LU0326950275.SGD":"Schroder ISF China Opportunities A Acc SGD-H","BK1521":"挪威政府全球养老基金持仓","BK1610":"ETF&股票定投概念","LU0320764599.SGD":"FTIF - Templeton China A Acc SGD","LU0593848301.USD":"未来资产亚洲卓越消费股票基金A","03143":"华夏香港银行股","LU0918141887.USD":"安联亚洲实际收益股票基金","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","LU0173614495.USD":"富达中国焦点A","LU0359202008.SGD":"Blackrock China Fund A2 SGD-H","LU0229945570.USD":"TEMPLETON BRIC \"A\" (USD) ACC","LU0516422440.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"A\" (USD) ACC","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","LU0516422952.EUR":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (EUR) ACC","LU0890818403.SGD":"JPMorgan Funds - Emerging Markets Dividend A (mth) SGD-H","LU0880133367.SGD":"UBS (LUX) EQUITY FUND CHINA OPPORTUNITY USD \"P\" (SGD) ACC","LU0048580855.USD":"富达大中华区A","LU0501845795.SGD":"瑞银大中华区股票基金P Acc SGD","03968":"招商银行","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","LU0862451753.SGD":"JPMorgan Funds - Emerging Markets Dividend A (mth) SGD","LU1242518857.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"I\" (USD) ACC","LU0287142896.SGD":"Fidelity China Focus A-SGD","LU1720050803.USD":"安联全方位中国股票基金","LU0348805143.USD":"ALLIANZ ENHANCED ALL CHINA EQUITY \"A\" (USD) INC","IE0008368742.USD":"首域中国增长基金I Acc","LU0456846285.SGD":"JPMorgan Funds - Greater China A (acc) SGD","LU0051755006.USD":"摩根大通中国A (dist)","LU0572944931.SGD":"Janus Henderson Horizon China Opportunities A2 SGD","BK1507":"粤港澳大湾区","BK1231":"综合性银行","LU0307460666.USD":"EASTSPRING INVESTMENTS CHINA EQUITY \"A\" ACC","BK1560":"内银股","LU0516423091.SGD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (SGD) ACC","LU0348825331.USD":"ALLIANZ CHINA EQUITY \"A\" (USD) INC","LU0543330566.HKD":"TEMPLETON BRIC \"A\" (HKD) ACC","LU0327786744.USD":"Janus Henderson Horizon China Opportunities A2 USD","LU1105468828.SGD":"Allianz Total Return Asian Equity AM DIS H2-SGD","LU0588546209.SGD":"Eastspring Investments - China Equity Fund AS SGD","LU1242518931.SGD":"Fullerton Lux Funds - Asia Absolute Alpha A Acc SGD","LU1282649067.USD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AMG\" (USD) INC A","LU0384037296.USD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) ACC","LU1282649810.SGD":"Allianz Asian Multi Income Plus Cl AMg DIS H2-SGD","LU0348814723.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"A\" (USD) INC  NC","LU0488056044.USD":"Allianz Asian Multi Income Plus Cl AM DIS USD","IE00B5MMRT66.SGD":"NEUBERGER BERMAN CHINA EQUITY \"A\" (SGDHDG) ACC","LU0370786039.SGD":"Fidelity Greater China A-SGD"},"translate_title":"China Merchants Bank's performance declined for the first time in 2023, and the advantage of low-cost debt became the way to deal with it","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600036":0.9,"03968":1,"03143":0.6},"content_text":"招商银行发布了2023年的业绩，营收出现了13年来的首次下降。在招行的业绩发布会上，行长王良表示，今年一季度银行业的经营压力进一步加大。去年下半年以来，LPR（贷款市场利率报价）和存量按揭贷款利率等政策都有所下调，对商业银行的利息、非息收入造成了压力。招商银行的营业收入也同步下降，利息净收入和手续费及佣金收入都出现了1.6%以上的下降。在去年，招行的贷款定价出现了下行，这是银行业普遍面临的问题。除了政策因素，在供求关系没有根本变化、去年政策影响集中体现、资本市场未明显回暖等因素的影响下，今年贷款定价仍然面临下行压力，一季度经营也面临更大压力。此外，外部环境对银行业的影响可能更大，去年招行的营业收入同比下降了1.64%。为了应对这些压力，招行将发挥低成本负债优势，扩大低成本负债资金来源，同时在贷款投放和非息收入增长方面做出相应调整。招行还着重支持重点分行和零售业务的发展。去年底，招行对重点区域分行进行了调整，加大了对这些分行的投入和布局，希望提高它们对全行业务的贡献。同时，招行对零售业务的组织架构和职责进行了调整，新设了零售客群部，将更多采用线上化、智能化方式进行服务。招行在2023年的年报中还提出，将继续推进财富管理业务的发展，提升财富管理手续费及佣金收入贡献，实现交易收入的挖潜增收。以上就是招商银行2023年业绩的最新情况。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2422597128"}