资源描述
2009 1210 2023 08 14 2015 2019 2015 2019 2019 LPR 2022 22 2019 2021 6+2022 4 4 10bps 9 2023 4 MPA 6 1 20 7080 2+3 3%6 1 LPR 10 1 LPR 76bps 22 9 23 6 20bps 2020 1 2 3 S0360523040004 021-20572556 S0360518060005%()42 0.01()98,459.41 10.63()67,483.82 9.47%1M 6M 12M 4.7%4.6%7.8%4.3%10.0%15.2%20230807-20230813 2023-08-13 7 2023-08-12 20230731-20230806 2023-08-06-16%-6%5%15%22/08 22/10 23/01 23/03 23/05 23/082022-08-152023-08-11 300 2009 1210 2 EPS PE PB 2023E 2024E 2025E 2023E 2024E 2025E 2023E 27.60 4.03 4.86 5.85 6.85 5.68 4.72 1.04 7.05 1.94 2.34 2.81 3.63 3.01 2.51 0.54 33.15 5.90 6.63 7.31 5.62 5.00 4.53 0.91 7.10 1.23 1.49 1.76 5.77 4.77 4.03 0.79 5.65 0.92 1.09 1.31 6.14 5.18 4.31 0.52 Wind 2023 8 11 XVFUxOqNmPoPpRpMqNrOpO7NbP9PtRnNmOnOfQoOyQlOpOtO8OoPsPxNqNtOMYpNmM 2009 1210 1 2019 2 3 4 2009 1210 4.6 2015 2019.6 22.8.10.12.12.13.16.18.20 2009 1210 5 1 2019 LPR.6 2.7 3 90%.8 4.8 5 20.8 6.9 7.10 8 20230721.10 9 22Q4 23Q1.11 10%.13 11+300bps%.13 12.14 13.14 14%.15 15%.15 16%.15 17%.16 18%.16 19.17 20.17 21 6 LPR 10.18 22.19 23-.19 24.20 25%.21 26%.21 27.22 2009 1210 6 2015 2019 2015 1 2013 2019 LPR 2015 10 2019 8 1Y 4.35%2018 6 5.94%2 2015 10 MPA 2021 6 2015 2015 2019 2022 2019 LPR 2021 2022 1 2019 LPR Wind 3.303.804.304.805.305.806.306.80:(LPR):1:(LPR):5:2019 LPR 2015/LRP 2009 1210 7 LPR 1 MLF 1 LPR 10 MLF-LPR-LPR 2022 2022 8 15 MLF 8 20 LPR 9 2023 2 Wind-1993 2019 1 85%2 2009 1210 8 3 90%4 2015 Wind FDIC Wind 22 2019 LPR 2019 5 2021 6*+5 20 Wind 2022 2022 4 10 1 LPR 60%70%80%90%100%110%120%130%2004-122005-112006-102007-092008-082009-072010-062011-052012-042013-032014-022015-012015-122016-112017-102018-092019-082020-072021-062022-052023-04 20.0%30.0%40.0%50.0%60.0%70.0%80.0%90.0%100.0%1999-122001-022002-042003-062004-082005-102006-122008-022009-042010-062011-082012-102013-122015-022016-042017-062018-082019-102020-122022-022023-04-80.0%-60.0%-40.0%-20.0%0.0%20.0%40.0%60.0%80.0%100.0%-80.0%-60.0%-40.0%-20.0%0.0%20.0%40.0%60.0%80.0%100.0%2016-012016-042016-072016-102017-012017-042017-072017-102018-012018-042018-072018-102019-012019-042019-072019-102020-012020-042020-072020-102021-012021-042021-072021-102022-012022-042022-072022-102023-012023-04 2009 1210 9 2022 4 LPR 10bps 2022 9 1 LPR 5bp 5bp 2 5 10bp 3 15bp 2023 4 MPA 1 2 3 5 5 20 2023 6 6 Wind 1 2021 6 360 LPR 2021 2 2020 9 5 6 2 21 6 2 30bp 3 5 60bp 3 22 4 22Q1 4 4 25-5 1 2.37%10 23 4 活期 三个月 半年 一年 二年 三年 五年 10Y国债收益率0.35%1.10%1.30%1.50%2.10%2.75%2.75%国有大行（1.4X）0.49%1.54%1.82%2.10%2.94%3.85%3.85%其他银行（1.5X）0.53%1.65%1.95%2.25%3.15%4.13%4.13%国有大行（+50bp）0.45%1.60%1.80%2.00%2.60%3.25%3.25%0.04%0.06%0.02%0.10%0.34%0.60%0.60%其他银行（+75bp）0.55%1.85%2.05%2.25%2.85%3.50%3.50%0.02%0.20%0.10%0.0 0 0.30%0.63%0.63%国有大行 0.45%1.60%1.80%2.00%2.50%3.15%3.15%0.0 0 0.0 0 0.0 0 0.0 0 0.10%0.10%0.10%其他银行 0.55%1.85%2.05%2.25%2.75%3.40%3.40%0.0 0 0.0 0 0.0 0 0.0 0 0.10%0.10%0.10%国有大行 0.40%1.50%1.70%1.90%2.40%3.00%3.05%0.05%0.10%0.10%0.10%0.10%0.15%0.10%其他银行 0.50%1.75%1.95%2.15%2.65%3.25%3.30%0.05%0.10%0.10%0.10%0.10%0.15%0.10%国有大行 0.35%1.50%1.70%1.90%2.30%2.85%2.90%0.05%0.0 0 0.0 0 0.0 0 0.10%0.15%0.15%其他银行 0.45%1.75%1.95%2.15%2.55%3.10%3.15%0.05%0.0 0 0.0 0 0.0 0 0.10%0.15%0.15%3.1%（21 年6月）2.80%（22 年4月）2.67%（22 年9月）2.67%（23 年6月）3.12%（21 年5月）2021 年6月前2021 年6月调整2022 年9月调整（随挂牌利率调整）2022 年4月调整（定价上限下调）2023 年6月调整（随挂牌利率调整）存款利率自律上限存款期限存款基准利率（23 年6月前）2009 1210 10 7 8 20230721 Wind 23 6 1 2.28%3.72%3.67%3.10%4.06%3.90%3.50%00.0050.010.0150.020.0250.030.0350.040.0452019 2020 2023M3新发 生定 期存 款 加权 平 均利 率 三年期存 款加权 平均利 率 五年期存 款加权 平均利 率1D 7D工商银行 0.20 0.90 0.45 1.00农业银行 0.20 0.90 0.45 1.00中国银行 0.20 0.90 0.45 1.00建设银行 0.20/0.45 1.00交通银行 0.20 0.90 0.45 1.00邮储银行 0.20 0.90 0.45 1.00招商银行 0.20 0.90 0.45 1.00平安银行 0.20/0.45 1.00中信银行 0.20 1.30 1.30 1.55 1.55 1.85 1.85 2.10 2.10 2.50 2.45 2.55 2.50 0.90 0.45 1.00民生银行 0.20/0.45 1.00华夏银行 0.20 1.30 1.30 1.55 1.55 1.85 1.85 2.20 2.00 2.50 2.45 2.55 2.55 0.90 0.45 1.00浙商银行 0.20 1.05 0.70 1.25兴业银行 0.20 1.05 0.70 1.25光大银行 0.20/0.45 1.00浦发银行 0.20 0.90 0.45 1.00北京银行 0.20/0.45 1.00江苏银行 0.20 1.30 1.21 1.55 1.43 1.75 1.65 2.25 2.10 2.65 2.65 2.65 2.65 1.10 0.80 1.10上海银行 0.20 0.90 0.45 1.00宁波银行 0.20 1.32 1.30 1.59 1.55 1.87 1.85 2.25 2.20 2.55 2.50 2.60 2.55 1.00 0.70 1.05南京银行 0.20 1.35 1.21 1.55 1.43 1.75 1.65 2.25 2.10 2.65 2.65 2.65 2.65 1.10 0.80 1.10杭州银行 0.20 1.30 1.30 1.55 1.55 1.85 1.80 2.25 2.15 2.70 2.55 2.70 2.55 1.10 0.70 1.05成都银行 0.385/0.335 1.750 1.210 1.950 1.430 2.150 1.650 2.650 2.310 3.100 2.875 3.100 3.200 1.165 0.550 1.100长沙银行 0.25/0.80 1.35重庆银行 0.25 1.25 1.33 1.45 1.59 1.65 1.85 2.05 2.21 2.45 2.60 2.50 2.85/0.78 1.35贵阳银行 0.25 1.48 1.48 1.75 1.75 2.10 2.02 2.60 2.60 3.25 3.25 3.30 3.30 1.26 0.88 1.41郑州银行 0.20 1.40 1.40 1.65 1.65 1.90 1.90 2.25 2.10 2.65 2.65 2.70 2.70 1.20 0.80 1.35苏州银行 0.20/0.25 1.40 1.21 1.60 1.43 1.80 1.65 2.30 2.10 2.75 2.50 2.75 2.55 1.00 0.60 1.05青岛银行 0.20 1.25 1.25 1.50 1.50 1.70 1.70 2.15 2.15 2.50 2.50 2.65 2.65 1.10 0.58 1.05齐鲁银行 0.20 1.30 1.30 1.55 1.50 1.75 1.70 2.20 2.15 2.60 2.55 2.55 2.50 1.20 0.55 1.05兰州银行 0.35 1.495 1.040 1.755西安银行 0.25(个人）/0.30（单位）1.00 0.70 1.25厦门银行 0.35/0.30 1.50 1.30 1.70 1.60 2.10 1.90 2.60 2.30 3.00 2.75 3.10 2.900 0.900 0.880 1.485渝农商行 0.20 1.25 1.33 1.45 1.59 1.65 1.85 2.05 2.11 2.45 2.45 2.50 2.75 1.05 0.70 1.25沪农商行 0.20 1.05 0.70 1.25青农商行 0.20 1.25 1.10 1.50 1.30 1.70 1.50 2.15 2.10 2.50 2.50 2.65 2.65 1.10 0.62 1.10常熟银行 0.150 1.410 1.250 1.650 1.450 1.850 1.650 2.360 2.150 2.850 2.650 2.850 2.650 不超1.15 0.550 1.150紫金银行 0.250 1.35 1.21 1.55 1.43 1.80 1.65 2.40 2.10 2.85 2.75 2.85 2.75 1.100 0.500 1.000无锡银行 0.350 1.150 0.960 1.550张家港行 0.100 1.40 1.20 1.65 1.45 1.80 1.65 2.40 2.20 2.85 2.80 2.85 2.80 1.050 0.550 1.100苏农银行 0.15 1.35 1.20 1.60 1.40 1.85 1.65 2.20 2.15 2.75 2.75 2.75 2.75 0.90 0.45 1.00瑞丰银行 0.20 1.15 0.80 1.35江阴银行 0.15 1.40 1.30 1.60 1.50 1.85 1.65 2.35 2.10 2.90 2.75 2.95 2.75 1.15 0.55 1.101.441 1.690 1.950 2.730 3.450 3.4501.45 1.70 1.90 2.40 2.90 2.901.45 1.70 2.00 2.42 3.00 3.051.35 1.55 1.85 2.20 2.55 2.701.60 1.80 2.00 2.50 3.10 3.101.54 1.82 2.10 2.94 3.85 4.051.30 1.55 1.85 2.30 2.50 2.551.30 1.55 1.85 2.20 2.45 2.501.30 1.55 1.85 2.20 2.50 2.551.30 1.55 1.85 2.20 2.50 2.551.30 1.55 1.85 2.30 2.75 2.801.30 1.55 1.85 2.20 2.50 2.551.30 1.55 1.85 2.30 2.50 2.551.30 1.55 1.85 2.15 2.50 2.551.25 1.46 1.68 2.05 2.45 2.501.25 1.45 1.65 2.15 2.60 2.651.25 1.45 1.65 2.05 2.45 2.501.25 1.45 1.65 2.05 2.45 2.501.25 1.45 1.65 2.05 2.45 2.501.25 1.45 1.65 2.05 2.45 2.503M 6M 1Y 2Y 3Y 5Y1.25 1.45 1.65 2.05 2.45 2.50各上市银行最新人民币存款挂牌利率（20230721）活期存款定期存款单位协定存款单位通知存款 2009 1210 11 2022 2020 LPR 9 2 3 Q4 22Q4 4bp 1.99%23Q1 3bp 2.02%6 LPR 9 22Q4 23Q1 22Q1 22H1 22Q3 2022 23Q1 同比 较年初 22Q1 22Q2 22Q3 22Q4 23Q1 同比 较年初工商银行 3.43%3.37%3.44%3.39%3.38%-0.05%0.00%1.62%1.68%1.80%1.88%1.92%0.31%0.04%建设银行 3.61%3.52%3.59%3.53%3.37%-0.24%-0.16%1.72%1.75%1.80%1.84%1.84%0.12%-0.01%农业银行 3.56%3.48%3.41%3.33%3.33%-0.23%0.00%1.73%1.76%1.80%1.84%1.86%0.14%0.02%中国银行 3.13%3.16%3.29%3.38%3.43%0.30%0.05%1.61%1.62%1.72%1.89%2.01%0.40%0.12%交通银行 3.38%3.37%3.46%3.47%3.43%0.05%-0.04%2.34%2.38%2.46%2.56%2.64%0.30%0.08%邮储银行 3.60%3.54%3.52%3.45%3.36%-0.24%-0.10%1.60%1.62%1.62%1.60%1.54%-0.06%-0.06%招商银行 3.74%3.66%3.70%3.72%3.65%-0.10%-0.08%1.55%1.58%1.61%1.62%1.66%0.11%0.04%中信银行 3.82%3.82%3.78%3.81%3.70%-0.12%-0.11%2.16%2.18%2.16%2.13%2.17%0.01%0.04%浦发银行 3.73%3.63%3.63%3.57%3.49%-0.24%-0.08%2.19%2.14%2.20%2.21%2.25%0.06%0.04%民生银行 3.84%3.80%3.81%3.77%3.66%-0.19%-0.11%2.42%2.43%2.47%2.45%2.43%0.01%-0.03%兴业银行 3.82%3.71%3.73%3.75%3.58%-0.24%-0.18%2.22%2.29%2.31%2.26%2.24%0.02%-0.03%光大银行 3.97%3.94%4.02%4.07%3.94%-0.03%-0.13%2.24%2.19%2.29%2.37%2.37%0.13%0.00%华夏银行 4.08%3.99%3.97%3.85%3.82%-0.27%-0.03%2.29%2.24%2.19%2.18%2.22%-0.07%0.04%平安银行 4.56%4.48%4.56%4.52%4.41%-0.15%-0.10%2.16%2.12%2.12%2.18%2.20%0.04%0.02%浙商银行 4.25%4.17%4.28%4.18%4.11%-0.14%-0.08%2.38%2.35%2.41%2.44%2.40%0.02%-0.03%北京银行 3.68%3.55%3.61%3.45%3.41%-0.27%-0.04%2.23%2.17%2.13%2.14%2.15%-0.08%0.01%南京银行 3.70%3.60%3.66%3.55%3.61%-0.10%0.05%2.36%2.37%2.40%2.45%2.44%0.08%-0.01%宁波银行 3.68%3.39%3.64%3.63%3.54%-0.14%-0.09%2.03%2.15%2.03%2.01%2.01%-0.02%0.00%江苏银行 4.22%4.17%4.08%4.18%4.06%-0.16%-0.12%2.50%2.43%2.43%2.42%2.39%-0.11%-0.03%贵阳银行 4.80%5.07%4.86%4.53%4.61%-0.19%0.07%2.77%2.62%2.61%2.61%2.56%-0.20%-0.05%杭州银行 3.70%3.63%3.63%3.60%3.61%-0.09%0.02%2.35%2.34%2.26%2.28%2.28%-0.07%0.00%上海银行 3.56%3.39%3.24%3.18%3.25%-0.31%0.07%2.20%2.11%2.10%2.13%2.16%-0.03%0.03%成都银行 3.94%3.91%3.90%3.92%3.86%-0.07%-0.06%2.21%2.21%2.18%2.22%2.26%0.05%0.04%长沙银行 4.17%4.16%4.20%4.18%4.07%-0.10%-0.11%2.32%2.31%2.25%2.19%2.18%-0.14%-0.01%青岛银行 3.73%3.91%3.92%3.92%3.85%0.12%-0.08%2.34%2.43%2.37%2.35%2.26%-0.08%-0.09%郑州银行 4.70%4.66%4.62%4.24%4.37%-0.33%0.13%2.56%2.48%2.45%2.36%2.37%-0.20%0.01%西安银行 4.02%3.88%3.87%3.77%3.69%-0.33%-0.09%2.60%2.50%2.61%2.51%2.51%-0.09%0.00%苏州银行 4.05%3.95%3.96%3.96%3.86%-0.19%-0.10%2.44%2.31%2.27%2.27%2.28%-0.16%0.01%厦门银行 3.62%3.53%3.46%3.44%3.40%-0.22%-0.04%2.51%2.41%2.34%2.16%2.38%-0.13%0.22%齐鲁银行 3.81%3.82%3.83%3.82%3.65%-0.17%-0.17%2.22%2.19%2.15%2.11%2.11%-0.12%0.00%重庆银行 4.31%4.23%4.22%4.07%3.93%-0.37%-0.14%2.84%2.83%2.73%2.75%2.68%-0.16%-0.08%江阴银行 3.97%3.95%3.97%3.74%3.71%-0.27%-0.04%2.14%2.14%2.15%2.07%2.03%-0.11%-0.04%无锡银行 3.88%3.78%3.76%3.70%3.65%-0.23%-0.05%2.35%2.33%2.33%2.26%2.34%-0.01%0.08%常熟银行 4.95%4.90%4.85%4.60%4.91%-0.04%0.31%2.31%2.29%2.20%2.28%2.26%-0.05%-0.02%苏农银行 3.84%3.67%3.72%3.62%3.64%-0.20%0.02%1.97%2.04%2.08%2.04%2.04%0.07%0.00%张家港行 4.39%4.35%4.41%4.31%4.25%-0.14%-0.06%2.41%2.39%2.38%2.38%2.38%-0.02%0.00%青农商行 3.75%3.78%3.81%3.76%3.62%-0.14%-0.14%2.24%2.19%2.18%2.17%2.15%-0.09%-0.02%紫金银行 3.90%3.74%4.00%3.86%3.76%-0.14%-0.10%2.25%2.22%2.25%2.26%2.26%0.01%0.01%瑞丰银行 4.24%4.23%4.19%4.13%3.74%-0.50%-0.40%2.36%2.34%2.26%2.27%2.26%-0.10%-0.01%渝农商行 4.05%3.89%3.75%3.78%3.58%-0.47%-0.20%2.28%2.20%2.16%2.05%2.05%-0.22%0.00%上市银行 3.61%3.55%3.59%3.56%3.50%-0.11%-0.06%1.88%1.90%1.95%1.99%2.02%0.14%0.03%国有行 3.45%3.40%3.45%3.42%3.38%-0.07%-0.04%1.71%1.75%1.82%1.89%1.93%0.21%0.03%股份行 3.91%3.84%3.87%3.85%3.75%-0.16%-0.10%2.13%2.13%2.16%2.16%2.18%0.04%0.01%城商行 3.87%3.78%3.78%3.72%3.69%-0.19%-0.03%2.33%2.30%2.27%2.26%2.27%-0.07%0.00%农商行 4.07%3.98%3.94%3.89%3.78%-0.29%-0.11%2.26%2.22%2.20%2.15%2.15%-0.12%0.00%生息资产收益率（单季）计息负债付息率（单季）2009 1210 12 20 7080 70 1970 16 17 1977-1994 10-20 70 Q 2.5%MMDA NOW Q 1 2 FFR 6 MMDA FFR 20 Interest checking FFR 37,1977 1991 1977 1978 1979 CDs 1997 1985 MMC 1991 1994 1989 LPR LPR LPR 5+50BPs 20 60 1971 5 9 1979 1981 1 Sticky Deposit Rates John C.Driscoll and Ruth A.Judson 201380pap.pdf(federalreserve.gov)2009 1210 13 LIBOR LIBOR SONIA=+=+1 1980-2010 1 2010 0%2 1994+300bps 1960 1 1970-1990 3 10%11+300bps%IMF Wind IMF Wind:1985 4 Money Market Certificate 0.05.010.015.020.025.0197819811983198519871989199119941996199820002002200420072009201120132015美国：存 款利率：一年 美国：联 邦基金 利率0.05.010.015.020.025.0195019541958196219651969197319771980198419881992199519992003200720102014美国：贷 款利率 美国：联 邦基金 利率 2009 1210 14 MMC CD 0.75%1 1 1989 LPR LPR 1989 1 1%=+1%1991 4 12 1985 4 MMC 5000 1-6 1985 1000 1989 LPR+1%1989 6 MMC 300 1989 1000 1991 7 1991 11 1993 6 1994 10 13 Organisation for Economic Co-operation and Development 00.511.522.533.5401/199608/199603/199710/199705/199812/199807/199902/200009/200004/200111/200106/200201/200308/200303/200410/200405/200512/200507/200602/200709/200704/200811/200806/200901/201008/201003/201110/201105/201212/201207/201302/201409/201404/201511/201506/201601/201708/201703/201810/201805/201912/201907/202002/202109/202104/202211/2022 90 2009 1210 15 1985 1985 MLF DF MRO MLF 20 100-200bps 450-550bps 80-120bps MRO MLF MLF 14%15%16%IMF IMF-10123456701/199908/199903/200010/200005/200112/200107/200202/200309/200304/200411/200406/200501/200608/200603/200710/200705/200812/200807/200902/201009/201004/201111/201106/201201/201308/201303/201410/201405/201512/201507/201602/201709/201704/201811/201806/201901/202008/202003/202110/202105/202212/2022 MRO DFR MLF-2024681001/200311/200309/200407/200505/200603/200701/200811/200809/200907/201005/201103/201201/201311/201309/201407/201505/201603/201701/201811/201809/201907/202005/202103/202201/2023 MRODF MLF-1012345601/200311/200309/200407/200505/200603/200701/200811/200809/200907/201005/201103/201201/201311/201309/201407/201505/201603/201701/201811/201809/201907/202005/202103/202201/2023 MRO DFMLF 2009 1210 16 5 1980-1985 2.17%5 49bp 1.68%80 1980 08 98bps 54bps 200bps 3%70 1986 1992 3.81%1985 25%1990 40%20 60 0.18%80 1.54%3%08 2.6%17%18%FDIC-1.5-0.50.51.52.53.54.5024681012141618201965/1/11968/1/11971/1/11974/1/11977/1/11980/1/11983/1/11986/1/11989/1/11992/1/11995/1/11998/1/12001/1/12004/1/12007/1/12010/1/1 0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%193419381942194619501954195819621966197019741978198219861990199419982002200620102014 2009 1210 17 19 FDIC/+1980 20%2000 43%35%OECD 70 90%1981-1998 78.1%;1999-2003 67.7%20 80 40%80 20.14%90 35.19%20 FDIC 0.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%1947/1/11949/3/11951/5/11953/7/11955/9/11957/11/11960/1/11962/3/11964/5/11966/7/11968/9/11970/11/11973/1/11975/3/11977/5/11979/7/11981/9/11983/11/11986/1/11988/3/11990/5/11992/7/11994/9/11996/11/11999/1/12001/3/12003/5/12005/7/12007/9/12009/11/12012/1/12014/3/12016/5/12018/7/1 0.0%5.0%10.0%15.0%20.0%25.0%30.0%35.0%40.0%45.0%50.0%2009 1210 18 1 1 LPR 10 6 6 20 1 LPR 10bps 10 6 2.67%8 2.65%2 2019 8 1 LPR 4.31%76bps 3.55%22 9 23 6 20bps 3 22 1.74%21 6 LPR 10 Wind 1 LPR 10 2.02.53.03.54.04.55.05.56.0:10:(LPR):1 2009 1210 19 22 Wind LPR MLF 23-Wind 0.001.002.003.004.005.006.002015-08-13 2016-08-13 2017-08-13 2018-08-13 2019-08-13 2020-08-13 2021-08-13 2022-08-13:3:():3:3 0.01.02.03.04.05.06.07.08.09.0:2009 1210 20 24 OMO 7 1.90%MLF 1 2.65%SLF 7 2.90%=7+100BP LPR)1 3.55%5 4.20%0.35%1 1.5%0.35%1.62%Shibor 1.53%3 2.10%10 2.62%Wind 2023 6 LPR 2023 0.61bp 2Q23 2bp 1.66%18bp/1.63%/1.74%/1.59%/1.84%1-2 2020 2020-2022 2020-2022 1 5 LPR 50bp 3.65%4.30%2019 5.44%130bp 4.14%19 2022 8.54 21 2 30%2022 4%26bp 34 bp 15 bp 26 bp 20 bp 16 bp 2023 2009 1210 21 6 LPR 7 ROE 1 2023 1000 11 4973 2 1.8%GDP 3%12%ROE 1%GDP 1%5%GDP 1.74%23Q1 10%ROE 3 25%26%Wind Wind 0.000.501.001.502.002.503.00-10.00-5.000.005.0010.0015.0020.002010Q42011Q32012Q22013Q12013Q42014Q32015Q22016Q12016Q42017Q32018Q22019Q12019Q42020Q32021Q22022Q12022Q4:GDP 01234-10.00-5.000.005.0010.0015.00:GDP 2009 1210 22 27 Wind 1 2 3-3.00%-2.00%-1.00%0.00%1.00%2.00%3.00%4.00%5.00%6.00%7.00%俄罗斯德国英国韩国法国美国日本中国印度IMF 预 测 年 增 长率 一季度GDP 同 比增长 2009 1210 23 2016 2017 2019 2019 Wind 2020 8 2020 2021 2021 2022 2022 Choice 2022 2022 2018 2019 2020 2021 2022 2018-2021 2022 2022 2018 2023 2019 2019 2019 Wind 2020 8 2020 2021 2021 2022 Choice 2022 2022 2022 2023 2023 2009 1210 24 010-63214682 010-63214682 010-63214682 010-63214682 010-63214682 010-66500808 010-66500821 010-63214682 0755-82828570 0755-83715428 0755-82756804 0755-82871425 0755-83024576 0755-82871425 021-20572536 021-20572555 021-20572257-2552 021-20572506 021-20572585 021-20572509 021-20572548 021-20572573 0755-82756805 021-20572559 021-20572559 0755-82756805 021-20572559 玙 021-25072549 2009 1210 25 A 300 500/6 20%6 10%20%6-10%10%6 10%20%3-6 5%3-6-
展开阅读全文