【本文系数据通用户提前专享】碳价两月飞涨三成，市场预期更多行业将进入碳排放权交易市场，减碳进程日益影响企业乃至整个社会经济发展

【本文系数据通用户提前专享】年报和一季报数据显示，A股上市公司增收不增利，经营承压、投资收缩、融资低迷，盈利能力持续下滑

5月7日，美国政府撤销了英特尔、高通等企业对华为出口芯片的许可，将主要影响到大量使用英特尔芯片的华为个人电脑业务。在美方对华为的一轮轮出口制裁中，华为如何应对？这一次，又会对各利益相关方产生怎样的影响？

推荐：李强5月7日至9日在新疆调研；西安全面取消住房限购 重启企事业单位购房；盘活存量 AMC收购大行、股份行资产范围由三类扩至五类

股份行业绩在银行业中整体表现较差，净息差收窄是共性原因；平安主动调整资产结构，收缩个人业务，虽营收同比下滑14%，但净利润同比增2.3%

继续运用存贷款余额增速为主导的指标体系推算季度金融业增加值，已经不太科学

决定利率走势的不是央行，而是资本回报率；生产过剩加剧了本轮净息差收窄

推荐：锂电池行业规范公开征求意见 引导企业减少单纯扩大产能项目；花旗银行注销保险中介许可资格

当前银行基本面仍然承压，边际变化不大，全年来看表现或与一季报接近

• In early April 2024, China's financial regulators issued an initiative under the market interest rate pricing self-discipline mechanism to prohibit banks from using manual interest compensation as a means to attract high-interest deposits and maintain order in the deposit market. Banks were required to conduct self-inspections and rectify any non-compliance by the end of April 2024.
• The rate self-discipline mechanism, established in September 2013 and guided by the People's Bank of China, has played a significant role in coordinating market pricing and advancing interest rate market reforms. This initiative marks its first formal issuance in over a decade, reflecting a firm regulatory stance against practices that circumvent deposit rate controls.
• Manual interest compensation was originally intended to correct operational errors but had been exploited by some banks under competitive pressure to offer higher than regulated deposit rates, particularly to major corporate clients. This practice was seen as contributing to inefficient capital utilization and financial risks, prompting zero tolerance from regulators aiming to curb these activities.

【本文系数据通用户提前专享】监管部门对银行手工补息、高息揽储零容忍，剑指企业资金空转；短期整治之后，还有待经济转型升级、有效需求恢复、社会预期改善

监管部门对银行手工补息、高息揽储零容忍，剑指企业资金空转；短期整治之后，还有待经济转型升级、有效需求恢复、社会预期改善

过往多年，招商银行盈利水平大多保持较高速增长；2024年一季度，招商银行的归母净利润为380.77亿元，同比下降1.96%

工商银行、中国银行、建设银行和农业银行的一季度营收分别同比下降3.80%、3.01%、2.97%和1.70%；一季度归母净利润分别同比下降2.78%、2.9%、2.17%和1.63%

• Syngenta Group, a leading global agrochemical company, has paused its planned IPO on China's A-share market after withdrawing a 65 billion yuan application in March 2024. This follows a previous withdrawal from the STAR Market in May 2023. The withdrawals were attributed to the large fundraising scale challenging for the A-share market to absorb and a downturn in the agrochemical industry affecting Syngenta's performance.
• From 2020 to 2022, Syngenta Group reported increasing revenues but faced a significant profit drop by 86.9% in the first nine months of 2023 compared to the same period in 2022. Financial challenges included high initial financial leverage and interest expenses from debts incurred during aggressive acquisitions, including the $49 billion purchase of Swiss Syngenta by ChemChina.
• Despite setbacks, Syngenta remains committed to eventually relisting, focusing on enhancing its R&D capabilities within China to meet local agricultural transformation needs. The group aims to leverage its global network to promote Chinese agricultural innovation globally while facing stringent regulatory environments and market cultivation challenges for genetically modified (GM) crops in China.

• In 2023, the growth rate of retail loans in the banking sector slowed due to a decline in personal housing mortgage loans, traditionally a major component of retail lending. By the end of Q3 2023, the year-over-year growth rate of domestic retail loans was 6.85%, a decrease of 32 basis points from the same period in 2022.
• The balance of personal housing loans nationwide by the end of 2023 was ¥38.17 trillion, marking a year-over-year decrease of 1.6% and the first negative growth since 1997. Major banks reported similar trends with a collective reduction in mortgage loan balances amounting to ¥5166.26 billion, or a decline of 1.95%.
• Amidst these challenges, banks have shifted focus towards consumer loans targeting high-quality customer groups and personal business loans aimed at individual entrepreneurs and rural households, seeing these as areas with potential for growth despite existing financing difficulties for these groups.

【本文系数据通用户提前专享】上市时运只是表象，业务与增长仍待突破

上市时运只是表象，业务与增长仍待突破

【本文系数据通用户提前专享】信用卡业务挣扎转型，消费贷和个人经营贷成为银行零售贷款转型的新赛道，但难以弥补按揭贷款下滑的缺口，且不良率有抬升的趋势。零售业务究竟是希望还是负累？

信用卡业务挣扎转型，消费贷和个人经营贷成为银行零售贷款转型的新赛道，但难以弥补按揭贷款下滑的缺口，且不良率有抬升的趋势。零售业务究竟是希望还是负累？