我国2018 年银行业运行分析及展望

2018年，监管政策密集出台落地，中央防范金融风险态度坚决，全面推进金融监管体制改革，持续提高金融行业合规经营水平、防范系统性金融风险的发生已经成为金融监管的重中之重，金融去杠杆成效显著，资产负债结构进一步优化，突出主业、回归本源的特征明显。银行业盈利能力基本稳定，净息差有所扩大，风险压力相对平稳。预计未来银行业资产负债增速将逐渐企稳，资产质量延续好转，净息差仍有改善空间，信用风险大规模持续爆发可能性不大，但资本补充需求较为强烈。随着金融支持民营经济政策的逐渐贯彻落实，未来银行支持民营企业的力度将空前加大，建议政府在综合施策的基础上加强对银行业的管理和适度支持，银行业自身要千方百计构建银企命运共同体，同时在零售业务方面下功夫、寻求突破。

Banking Operation Analysis and Outlook

In 2018, the regulatory policies were intensively introduced, the central government''s attitude toward financial risks was determined, and the reform of the financial regulatory system was comprehensively promoted. The continuous improvement of the financial industry''s compliance management level and the prevention of systemic financial risks have become the focus of financial supervision. The financial de- leverage has achieved remarkable results, and the asset-liability structure has been further optimized. The characteristics of the main business and the return to the source are obvious. The profitability of the banking industry was basically stable, the net interest margin was expanded, and the risk pressure was relatively stable. It is expected that the growth rate of asset and liability of the banking industry will gradually stabilize in the future, asset quality will continue to improve, and the net interest margin will still have room for improvement. It is unlikely that credit risk will continue to break out on a large scale, but the demand for capital supplementation is relatively strong. With the gradual implementation of financial support for private economic policies, the future efforts of banks to support private enterprises will be unprecedented. It is recommended that the government strengthen management and appropriate support for the banking industry on the basis of comprehensive policies. The banking industry must do everything possible to build the destiny community of the bank and enterprise, while working hard in the retail business, seeking breakthroughs.