China News Service, March 28. On the 28th, the China Banking Association released the "Chinese Bankers Survey Report (2023)" on its website. The "Report" shows that bankers' expectations for the stability of future economic operations have increased.
In terms of credit business, the banking industry's credit support for weak links such as agriculture, forestry, animal husbandry and fishery has increased significantly, and credit is strictly controlled in high-energy-consuming industries such as the metallurgical industry and papermaking industry. The energy-saving and environmental protection industry has become the green loan investment area that bankers are most concerned about. . In addition, bankers focus on supporting the development of high-tech technologies such as new energy, new materials, energy conservation and environmental protection, actively expand pension financial business, and regard innovative pension products and services as an important development direction.
In terms of risk management and internal control, bankers are most concerned about credit risks in real estate and related industries, and tend to eliminate employee violations through the construction of a compliance culture. In terms of human resources management, bankers believe that banking industry employees will show a trend of structural adjustment, with personal finance and information technology employees becoming the focus of growth, and the number of employees operating counter operations will decrease. In terms of asset and liability management, with net interest margins under pressure, nearly 70% of bankers suggested improving risk pricing capabilities and optimizing the structure of interest-earning assets.
In addition, bankers are generally optimistic about investment in the financial technology field and believe that policy coordination and infrastructure construction should be emphasized. In terms of data asset management, bankers believe that strategic and organizational construction should be strengthened, orderly sharing of data should be promoted, and security management systems should be continuously improved.
The "Report" also mentioned that bankers remain optimistic about the overall operating income and profits of the banking industry in the next five years. Nearly 90% of bankers believe that the banking industry should continue to improve asset quality and enhance the ability to respond to risks in the next five years. Nearly 90% of bankers' banking industry provision coverage ratio remains above 150%. More than 50% of bankers believe that the capital adequacy ratio is higher than 12%. (China News Finance)