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余额宝们坑惨银行 5万亿货基挖墙脚银行净利流失千亿

2017-09-04 09:50:59   中国经济网

作为最赚钱的银行业,吸金能力无人能比。但同时,银行业也面临着自身苦恼和转型,特别是当前5万亿的货币基金体量,相当于每年分食银行业数百亿的净利润。

随着中报披露的结束,上市公司业绩已全部展现在投资者眼前,作为最赚钱的银行业,其吸金能力自然是无人能比。但同时,银行业也面临着自身苦恼和转型,一方面以余额宝为代表的货币基金正蚕食传统的存款业务,另一方面,利息市场化也不断打压净息差。特别是当前5万亿的货币基金体量,相当于每年分食银行业数百亿的净利润。

上市银行净利润几乎三年止步

从上市银行净利润及增速情况来看,2016年上市银行整体净利润已经突破1.3万亿元,即使把新增上市银行算在内,近年来,业绩增速仍持续下滑。在五六年前,银行业净利润增速一度连续多年高达双位数增长,特别是2014年增速降至个位数,2015年和2016年同比增速甚至小于2%,2017年中期,银行业净利润达到7700多亿元,同比增速回升至近5%,但是否能够持续仍有待观察。

四大行稳坐泰山

作为国有四大银行的工农中建,其在银行业中的地位是难以撼动的。从四大行净利润占上市银行利润比重可以看出,虽然净利润占比从2008年的70%多,降至2016年的65%左右,其绝对份额仍然是难以撼动。

因此,分析四大行的经营状况或能真实的反映银行业所面临的现状。

四大行业绩增速低位徘徊

从四大国有银行净利润变化来看,基本和整个银行业保持一致,近几年同样出现增长乏力的情况。2014年-2016年,四大行三年净利润基本维持在8500亿的水平,止步不前。

从四大行的净利润增速来看,2011年-2015年连续5年下滑,虽然2016年及2017年上半年企稳回升,但整体增速仍保持较低水平。具体来看,2017年上半年,工商银行、建设银行、农业银行、中国银行净利润增速分别为1.85%、3.69%、3.28%、11.45%,中国银行增速偏高或是因为2016年同期偏低所致。

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