• 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？

深入研究通过资本补充、利润转增等方式，按照有进有退、合理流动的原则，适时合理调整国有金融资本在金融各行业的比重

对汇丰控股业务影响有限

截至3月末，国家金融监管总局深圳监管局辖下的银行业总资产为13.80万亿元，同比增长7.33%

寇冠早期曾在建行工作，2017年百信银行成立后他担任该行副行长兼首席信息官，在此期间曾到中信银行挂职工作；李如东拟调任中信金控旗下一家金融机构

违规发放贷款共计人民币33.2亿余元，造成本金损失人民币1.9亿余元

除继续增持2023年四季度的“救市”品种沪深300外，2024年一季度还增持了中证500，风格向小微盘倾斜

寿险及健康险、财产保险以及银行三大核心业务恢复增长；净利下滑主要受资产管理业务和科技业务的影响

当前美元兑人民币掉期报价处在负数低位，意味着外资能在债券到期时以更高的汇率将人民币资产换回美元，变相增厚了配置人民币债券的相对收益

韩国正在成为规模63万亿美元影子银行世界一个备受关注的薄弱环节

研究显示，香港银行家比亚洲同行高出约40%—70%的薪酬

若欧央行提前降息，中短期内，或使美元指数被动维持强势，被动加强的美元或对新兴市场汇率构成压力

近期，多家村镇银行以“村改支”的方式实行结构性重组，即村镇银行被发起行收购并将转为其分支机构；首例“村改分”的模式也已出现

• Ken Griffin, founder of Citadel Investment and Citadel Securities, is one of the most successful hedge fund managers globally. As of 2023, Citadel manages $61 billion with a 38% return in 2022, making it the highest cumulative return hedge fund historically. Citadel Securities has become a leading market maker in the U.S., handling about $400 billion in trades daily.
• Griffin has donated $1.56 billion across various sectors including education and politics, and is a major donor to the Republican Party. He recently contributed $5 million to Nikki Haley's presidential campaign.
• Griffin's views on China are positive; he participated in the China Development Forum (CDF) in Beijing and plans to expand Citadel's footprint in China by bidding for Credit Suisse Securities (China). His approach emphasizes leveraging technology and talent for business growth, evidenced by hiring experts like Zhao Peng as CEO of Citadel Securities.

目前正处于“二战”以来地缘政治风险最高的时期之一，财政政策和监管政策要有利于就业和资本投资，把企业作为解决方案的一环而不是问题本身

如何看待中美竞争、先进科技、中国竞争力及进入中国市场