What are the development prospects of banks?

The outlook is not very optimistic. China Banking Market and Investment Strategic Planning Outlook Analysis Report holds that with the gradual implementation of the supply-side reform policy this year, it has brought long-term benefits to the benign development of the banking industry, but it has also brought great pressure to the asset quality of the banking industry in the short term. At the end of the second quarter, the non-performing loan ratio of commercial banks was 65,438+0.75% compared with the end of the first quarter. The traditional mode that banks rely too much on scale expansion to realize their own profits and development is unsustainable.

Supply-side reform has put forward new requirements for banking reform, and how to break through it is imperative.

The trend of diversification of financing channels is further manifested, which makes the traditional credit business of banks face challenges. In recent years, Internet finance, shadow finance, wealth management, asset management, private placement and private lending have become more and more active, and the diversion effect of stock market and bond market on high-quality customers of banks has also emerged. The proportion of bank loans in the scale of social financing is declining, and the proportion of loans in the total assets of banks is also declining. In particular, the non-traditional credit business of financial institutions has broken through financial supervision and scale control, and met a large number of financing needs of the real economy, thus changing the competitive pattern of the financial system.