近期，我们对近十家大中型银行近期经营情况及后续经营计划进行了深度跟踪，按照信贷需求、规模增速、资产摆布、信贷结构、息差、资产质量、理财与非标处置等要点对跟踪情况进行梳理汇总，对把握未来一段时间内银行业景气度走势有一定的前瞻意义。

一、信贷需求......................................................................................................................5

二、规模增速与资产摆布....................................................................................................5

三、信贷结构......................................................................................................................8

四、资产负债价格走势与息差............................................................................................9

五、资产质量与信用成本..................................................................................................12

六、理财与非标处置.........................................................................................................12

七、投资建议与风险提示..................................................................................................14