五个维度穿透上市银行财报  

Five Characteristics of the Listed Bank Financial Statements

作　　者：蔡筱梦 吴美花 王索妮 詹雪龙(翻译) 

机构地区：[1]银柿财经

出　　处：《浙商》2021年第11期38-57,8,共21页Zheshang Magazine

摘　　要：2020年,经历了多重考验的银行业,整体实现了平稳过渡。随着年报陆续发布,各家银行的2020年业绩浮出水面。银行房贷余额被监管严格控制;各银行理财子公司在净值化管理压力激增的情况下,如何构建能穿越周期、实现稳健收益的组合,决定着银行未来增量的空间;在场景金融成为银行新的经营方式之后,银行的数字化表现,同样决定了各大银行在业态升级中的竞争格局……如何在“危”“机”中提升自身的核心竞争力,成为各家银行面临的新挑战。After going through many tests,the bank industry overall achieved smooth transition in 2020.with the disclosing of financial report,the business performance of each bank is being public.Bank mortgage balance is strictly regulated.It will determine the future increment of the bank that how financial subsidiaries of each bank to establish financial products which will cross cycle&realize steady returns under the pressure of net worth.When Scene Finance is being a new business way for bank,the digital capability performance also will determine the competition pattern in the bank industry challenge.So it will be a question for each bank to think that how to improve competitive power in future.

关 键 词：核心竞争力 上市银行 银行理财 财报 银行房贷 经营方式 银行业 竞争格局 

分 类 号：F83[经济管理—金融学]