经济面临高位调整,银行业当前的宏观经济条件仍然向好。此轮经济调整周期对企业盈利和偿债能力影响较小,银行资产质量和信贷成本有望保持稳中向好。在当前的宏观和微观背景下,导致银行业资产质量恶化的主要因素仍不是经济增长和企业盈利水平的小幅波动。 Economic adjustment is facing high, the banking industry’s current macroeconomic conditions are still good. This round of economic adjustment cycle has little effect on the profitability and solvency of enterprises, and the asset quality and credit costs of banks are expected to maintain a stable and favorable trend. Under the current macro and micro background, the main factor leading to the deterioration of the banking asset quality is still not the slight fluctuation of economic growth and corporate profitability.