• 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】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？

两部委谈财政与货币政策配合 央行称二级市场买卖国债不是QE；储能锂电池投资降温 3月新增产能规划环比近腰斩；跨境理财通优化效果显著 “南向通”客户数3月激增近12倍

央行公开市场操作可以配合财政进行赤字融资，但国债发行规模要相对足够大，同时发行节奏要相对稳定，才能有效实现政策传导，也能避免市场利率大幅波动

金融体系的每一次变化，看似跟随政策起伏波动，但事实上每一轮金融周期穿透到底层，都是经济周期

• China aims for about 5% economic growth in 2024, supported by improved economic environment, unleashing domestic demand potential, and favorable macroeconomic policies. Challenges include insufficient effective demand, weak social expectations, and various risks.
• Key reforms for enhancing internal demand, optimizing structure, boosting confidence, ensuring livelihoods, and mitigating risks include improving long-term mechanisms for expanding domestic demand, accelerating the construction of a unified national market, implementing "two unwaverings" systems for state-owned and private enterprises, and advancing scientific innovation and financial reforms.
• Innovations are crucial for high-quality development; however, China's innovation capability faces challenges such as an unsuitable talent cultivation system, inadequate incentive mechanisms in research institutions, the limited role of enterprises in innovation, an unfit financial system for innovation funding, and micro-mechanisms that do not support innovation.

改革发展面临新的形势，在一定程度上，不深化改革就难以构建新发展格局、推动高质量发展

2024年3月7日（星期四）上午9时，全国政协十四届二次会议举行第二次全体会议（大会发言）

建议对中小银行补充资本实施差异化监管，根据其主要经营指标、监管评级、公司治理情况，对数量众多的中小银行进行细化分类，对同一资本工具针对不同类别的银行，实施不同的准入条件、审批标准和发行要求

特区政府特别重视推动金融和创科的高质量发展

中国责任投资仍将保持增长势头，转型金融和保险行业将成为亮点领域，建议重点关注信息披露等传统议题及生物多样性、关键矿产、生成式人工智能等新兴议题

加快推动省市“三定”落地，稳步推进县域机构改革；中小金融机构改革化险，要落实机构、股东、高管、监管、属地、行业六方责任；强化信用风险管理，加大不良资产处置力度；加快推进城市房地产融资协调机制落地见效，配合防范化解地方债务风险；稳步扩大制度型开放，助力上海、香港国际金融中心建设

有银行业人士表示，重点营销的科创企业客户标准是入选包括工信部认证的国家高新技术企业、专精特新“小巨人”、专精特新中小企业等名录

未来将进一步优化个人养老金相关金融产品供给，针对个人养老金制度特点，研究完善相关业务监管规则

央行称将进一步推进征信市场和支付市场发展

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