光大銀行(06818.HK):今年續爲普惠小微貸款提供定價優惠 爭取提高零售信貸佔比
光大銀行(06818.HK)行長付萬軍在業績發佈會上預料,今年該行一般貸款和債券融資增速分別達11.5%和15%。他指,去年該行爲普惠小微貸款提供100至110個基點的定價優惠,爲中長期製造業貸款提供50至100個基點的定價優惠,爲綠色貸款提供了20個基點的定價減免,今年將繼續對重點行業、區域、客戶採取貸款定價和資本收費優惠政策,對央行碳減排支持工具定價優惠的資金紅利,全部轉移給基層經營單位。
付萬軍認爲,今年息差下行壓力仍然較大,但會力爭保持息差和去年相比穩定,目前零售信貸息差比一般貸款高80基點,因此需要增加零售信貸佔比,今年初該行爲非房類零售貸款設定專項信貸額度,爭取今年零售信貸佔比再提升一個百分點。他指,人民銀行正引導銀行的負債端利率下行,因此銀行需要存款上實施新路徑,以控制資金成本、控制好息差。
他又指,該行去年加大了零售理財經理的培訓力度和規模,未來會提高代理、資管、投行、託管、結算業務的收入佔比,打造財富管理特色。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.