PwC: In the first half of the year, the banking industry stabilized, and the banking industry in the Greater Bay Area will have a greater breakthrough in integration and innovation in the future.

Southern Finance and Economics All -Media Council Reporter Guo Xiaojie Guangzhou Report

On September 23, Pricewater -Yongdao released the "Review and Prospects of the China Banking Industry in 2022" (hereinafter referred to as "Report"). The report data shows that in the first half of 2022, the banking industry was generally stable, profit growth slowed, total assets accelerated, and the overall asset quality remained stable but polarized.

It is worth noting that the "Report" specially set up a column of "The Methods and Paths of Exploring Financial Institutions to Establish a Carbon Accounting System", explaining the significance of financial institutions to establish a carbon accounting system.

Regarding the green financial development of the Greater Bay Area Bank, Kim Yivin, a partner of China Accounting Professional and Technical Department of PricewaterhouseCoopers, said in a question from the reporter of Southern Finance and Economics that green finance is the direction that the current financial institutions are very concerned, and it is also given to banks. Bring a lot of development opportunities. As early as 2016, the Hong Kong Joint Exchange began to request forced disclosure of relevant environmental information reports. At present, many banks in the Mainland have also begun preparations for disclosure of information.

It is expected that the banking industry will continue to increase credit investment in key areas

According to the "Report" data, in the first half of the year, the overall net profit of 59 listed banks increased by 6.28%year -on -year to 1.09 trillion yuan, and the previous profit increased by 2.06%year -on -year, which was slightly slowed from the same period in 2021. The revenue of large banks is stable, and the interest income growth of joint -stock commercial banks and urban agricultural and commercial banks has slowed down.

As of the end of June 2022, the overall assets of listed banks increased by 7.99%compared with the end of 2021, a significant acceleration from the second half of 2021. In terms of asset structure, customer loans of listed banks have continued to grow, and the proportion of total assets is basically stable. Government bond investment has risen, and interbank assets have risen short -term. In the first half of the year, listed banks supported moderate advancement of infrastructure construction, and invested in the increase in public loans to manufacturing, transportation, leasing and business services; personal credit demand was relatively weak.

Zhang Lijun, the leader of the Chinese financial industry in PwC, said, "With the increase in the challenge facing the real economy, the banking industry's operating environment also faces greater complexity and uncertainty, but there are also active development factors. Measures, do a good job of regulating counter -cyclical adjustment, strengthen the resilience to resist risks, continue to promote reform and strategic transformation, and help economic stability and recovery. "

"With the uncertainty of global economic growth, the pressure of stagnation continues, the monetary policy of developed economies has been further tightened, and the relaxation of the Mainland monetary policy has caused pressure on the net interest margin of banks. Xie Ying, a partner of China's financial industry, said that the banking industry is expected to continue to increase credit. In key areas, including infrastructure construction, advanced manufacturing, scientific and technological innovation, small and micro Promote the digital transformation of the banking industry.

The method and path of exploring financial institutions to establish a carbon accounting system

In terms of green finance, the "Report" specially set up a column of "Exploring Financial Institutions to Establish a Carbon Accounting System", explaining the significance of financial institutions to establish a carbon accounting system.

The column pointed out that in the regulatory environment of the total amount of carbon emissions and intensity, even if the financial institutions themselves are not directly restricted by carbon taxes or carbon transactions, the increase in the cost of investment or sales may bring There is a certain risk of breach of contract. The carbon nuclear calculation of investment and financing activities not only help financial institutions to clearly grasp the carbon emissions of investment targets, formulate targeted risk control policies, but also help financial institutions to understand climate investment and financing policies and innovative products and services, guide and promote more Multi -funded investment in the field of climate change in the direction of national development.

Regarding the green financial development of the Greater Bay Area Bank, Kim Yivin, a partner of China Accounting Professional and Technical Department of PricewaterhouseCoopers, said in a question from the reporter of Southern Finance and Economics that green finance is the direction that the current financial institutions are very concerned, and it is also given to banks. Bring a lot of development opportunities. As early as 2016, the Hong Kong Joint Exchange began to request forced disclosure of relevant environmental information reports. At present, many banks in the Mainland have also begun preparations for disclosure of information.

Zhang Lijun told reporters that the construction of the Guangdong -Hong Kong -Macao Greater Bay Area is a major national strategy. Hard Unicom and Soft Unicom between Guangdong, Hong Kong and Macao, not only include interconnection of infrastructure and life, but more industry rules, standards, and policies. It is also promoting.

Zhang Lijun further stated that in the future, the financial industry in the Greater Bay Area will have a greater breakthrough in integration and innovation. The concept of integration in the Greater Bay Area must have a concept of integration. It can learn and learn from Hong Kong's financial industry's approval standards, risk management, and product innovation practices.

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