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1 0月,银行进入三季报披露季。上半年上市银行整体实现净利润同比增10.6%,我们预计,在宏观经济没有明显的好转情况下,由于生息资产规模增长回落、银行议价能力下降、风险偏好下降以及信用成本上升对利润的侵蚀等原因,三季度银行业净利润增速将继续下降。不良贷款将持续承压,三季度银行业将加大不良核销力度,另一方面或将大幅计提拨备。9月底有消息称,四大行将放松首套房贷认定标准,只要房贷余额还清都算首套房。尽管四大行表态并未明确是否放松限贷政策,但业内人士认为,限
10 months, the bank into the quarterly quarterly disclosure quarter. In the first half of this year, the overall net profit of listed banks increased by 10.6% over the same period of the previous year. We expect that with no significant improvement in the macroeconomy, we expect the bank’s bargaining power to fall, the risk appetite to fall and the erosion of profits due to rising credit costs due to the gradual decline in the size of interest-earning assets The reason is that the third quarter banking net profit growth will continue to decline. Non-performing loans will continue to be under pressure. In the third quarter, the banking sector will intensify the write-off of illicit loans and on the other hand, it may substantially reduce provision. By the end of September there is news that the four major banks will relax the first set of mortgage standards, as long as the balance of mortgage payments are considered the first suite. Although the status of the four lines is not clear whether to relax the loan limit policy, but the industry believes that the limit