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假设2月15日贷款利率下调50bp,根据到期日期限结构,我们测算影响行业当年利润2.5%
假设2月15日贷款利率下调50bp,根据到期日期限结构,我们测算影响行业当年利润2.5%
行业数据
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【研报】金融行业主题研究:“新冠“疫情对金融行业经营及估值的影响-20200202[16页].pdf
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2022-2023年居民大量定期存款到期日是2025-2026年
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行业数据
2025-11-20
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2022-2023年居民大量定期存款到期日是2025-2026年
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行业数据
2025-11-20
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无到期日存款重定价期限—三支柱披露(2024年,亿元)
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行业数据
2025-07-28
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不同类型银行2023年末贷款到期日分布
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其它
2024-07-01
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2023年末贷款按到期日或以合同到期日划分的未折现合同现金流的结构
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其它
2024-06-07
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2023年末贷款按合同重新定价日或到期日两者较早者结构
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其它
2024-06-07
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境内专利到期日分布
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行业数据
2023-01-11
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美国UDC等公司核心专利到期日(部分)
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行业数据
2022-11-17
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2020年末上市银行到期日在3个月以内的贷款占比
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fCDlubTku70gICAgICAgICB8IOe7j+iQpeenn+i1gei0n+WAuu+8iOeZvuS4h+e+juWFg++8iSB8CnwtLS0tLS0tLS0tLS0tLXwtLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLXwKfCAyMDIwICAgICAgICAgfCAxMzUwICAgICAgICAgICAgICAgICAgICAgfAp8IDIwMjEgICAgICAgICB8IDEzMDAgICAgICAgICAgICAgICAgICAgICB8CnwgMjAyMiAgICAgICAgIHwgMTI1MCAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIzICAgICAgICAgfCAxMjAwICAgICAgICAgICAgICAgICAgICAgfAp8IDIwMjQgICAgICAgICB8IDExMDAgICAgICAgICAgICAgICAgICAgICB8CnwgMjAyNeWPiuS5i+WQjiAgIHwgNDg1MCAgICAgICAgICAgICAgICAgICAgIHwKCui1hOaWmeadpea6kO+8muWFrOWPuOWFrOWRiu+8jOS4nOaWueivgeWIuOeglOeptuaJgA==
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下表假设银行资产端 LPR 下行 50bp,对 2020 年利润的影响在 2.5%左右。实际的影响肯定低于此数字,因为 1)银行的负债端成本预计也会下降,对冲资产收益率下降对营收带来的负面影响;2)疫情受控后,预计政策会加速项目落地速度,信贷增量可能加速。
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【研报】金融行业主题研究:“新冠“疫情对金融行业经营及估值的影响-20200202[16页].pdf
假设2月15日贷款利率下调50bp,根据到期日期限结构,我们测算影响行业当年利润2.5%
考虑到非典时期银行风控体系不完善、不良认定也较为宽松,2003年资产质量指标趋势指导意义不强
湖北新增社融占全国比例仅在3-4%,若疫情在其它省份无大规模爆发,我们预计4月后信贷增速有较快回升
2019年中长期贷款占新增贷款比重企稳回升,我们预计疫情对全年信贷抑制有限
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