[金融业] [2024-09-30]
Insurance refers to a contract between an insurance company and an individual or organization that provides financial protection against risks or uncertain events, such as loss, damage, illness, or accident. The individual or organization, known as the policyholder, pays a premium to the insurance company, which then agrees to cover potential losses or damages in exchange for that premium.
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[公共管理、社会保障和社会组织,金融业] [2024-09-03]
[金融业] [2024-09-03]
[金融业] [2024-08-30]
银行业正经历利率下行的考验。随着经济增速放缓,国内整体利率水平也处于下行通道,我国银行业盈利能力正面临考验。能够看到虽然存款利率也同步下行,但 19 年至今整体下调幅度不及贷款利率,银行净息差压缩,根据国家金融监督管理总局数据,2019-2023 年末,银行净息差水平累计下行 51BP 至 1.69%,ROE 累计下行 203BP 至 8.93%,利率下行背景下银行经营承压。本文希望从美日低利率时期银行业的经营角度出发,为我国银行业应对低利率提供经验借鉴。