资产安排、净息差趋势招行管理层回应

证券日报08-31 19:53

8月31日上午，招商银行举行了2026年中期业绩交流会。　　对于对公及零售资产安排，招商银行行长王小青在业绩交流会上表示，上半年，招商银行的贷款增长呈现出总量放缓，对公快于零售的特点，这与全市场的趋势保持一致。在当前市场信贷需求趋弱、个贷风险仍处于阶段性高位的背景下，我们不简单追求规模扩张，而是更加注重质量、效益、规模与结果的均衡发展。　　“信贷整体增速与结构特征将延续此前的态势。从结构质量来看，...

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href=http://finance.eastmoney.com/a/202608313860262813.html><strong>证券日报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>8月31日上午，招商银行举行了2026年中期业绩交流会。　　对于对公及零售资产安排，招商银行行长王小青在业绩交流会上表示，上半年，招商银行的贷款增长呈现出总量放缓，对公快于零售的特点，这与全市场的趋势保持一致。在当前市场信贷需求趋弱、个贷风险仍处于阶段性高位的背景下，我们不简单追求规模扩张，而是更加注重质量、效益、规模与结果的均衡发展。　　“信贷整体增速与结构特征将延续此前的态势。从结构质量来看，...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202608313860262813.html\">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":"KBWD","symbol_name":"Invesco KBW High Dividend Yield Financial 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trends.","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"IEFN":1.5,"QABA":1.5,"03968":1.5,"KRE":1.5,"XLFX":1.5,"KBWB":1.5,"03143":0.6,"FYLG":1.5,"HSBH":1.5,"IYG":1.5,"FINY":1.5,"VFH":1.5,"UYG":1.5,"FAS":1.5,"KNAB":1.5,"FTXO":1.5,"GABF":1.5,"BCFN":1.5,"FNCL":1.5,"PBEU":1.5,"BNKO":1.5,"JHMF":1.5,"KBWD":1.5},"content_text":"8月31日上午，招商银行举行了2026年中期业绩交流会。　　对于对公及零售资产安排，招商银行行长王小青在业绩交流会上表示，上半年，招商银行的贷款增长呈现出总量放缓，对公快于零售的特点，这与全市场的趋势保持一致。在当前市场信贷需求趋弱、个贷风险仍处于阶段性高位的背景下，我们不简单追求规模扩张，而是更加注重质量、效益、规模与结果的均衡发展。　　“信贷整体增速与结构特征将延续此前的态势。从结构质量来看，零售贷款将继续夯实优质客群基础，并在有效管控风险的前提下稳步发展；对公贷款方面，将更加聚焦重点区域、重点领域，以及以‘六张网’为代表的重点行业，持续提升服务实体经济质效。”王小青表示。　　净息差趋势方面，招商银行副行长、董事会秘书彭家文表示，未来一段时间，预计银行业净息差下行压力仍然存在。一方面，信贷需求尚未出现根本性拐点，个贷增长较难出现快速反弹；另一方面，存款重定价基本已经完成，存款成本下行对净息差的贡献因素已逐步释放。　　“净息差下行最困难的时期已经过去，后续会逐步趋稳。”彭家文表示，接下来招商银行将继续做好资产负债的整体组合管理，优化大类资产配置，合理安排资产结构。一是在保证资产质量的前提下推动零售信贷实现合理增长。二是进一步强化存款成本管控，更加重视存款质量而非规模，严格管控存款成本，以助力净息差企稳。　　彭家文表示，目前5年期大额存单重启发行的规模有限且成本较低，对银行的息差影响非常有限。当前招商银行的流动性头寸比较宽裕，暂时还不需要通过发行存单来补充头寸。如果招商银行启动大额存单发行，更多是源于客户的产品配置需求。（文章来源：证券日报）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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资产安排、净息差趋势 招行管理层回应

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资产安排、净息差趋势招行管理层回应