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因素一:人民币升值预期释放信贷增长空间,上市银行有望维持20%的业绩增长。因素二:国有银行改革将继续优化资产质量,上市银行在贷款减缓增长和不良资产加速释放的双重压力下,不良贷款将略有增长。因素三:利率市场化将使加强资金成本控制、提高资金使用效率日益成为银行持续盈利
Factor 1: RMB appreciation is expected to release credit growth space, listed banks is expected to maintain 20% performance growth. Factor 2: Reform of state-owned banks will continue to optimize the quality of assets. Under the dual pressures of the slowdown of loan growth and the accelerated release of non-performing assets, listed banks will see a slight increase in NPLs. Factor 3: Marketization of Interest Rates Will Strengthen Control Over Funds Costs and Increase Efficiency of Fund Use