SPD BANK(SH:600000) Zhong Guo Jing Ying Bao·2025-04-28 10:59Core Insights - The article discusses the impact of tariff increases on businesses, highlighting the financial challenges they face, such as funding shortages and trade friction, prompting financial institutions to adapt their strategies [1][2]. Group 1: Financial Institutions' Responses - Financial institutions are implementing dynamic credit strategies to address the varying risk exposures across different industries and companies, moving away from traditional risk assessment models [1][2]. - A bank has developed a "tariff shock stress test model" that integrates customs data, industry chain maps, and exchange rate fluctuation models to adjust credit limits and enhance management [1]. - Some banks are offering specialized credit products and services to support foreign trade enterprises, ensuring they do not withdraw or reduce loans abruptly [3]. Group 2: Credit Strategy Adjustments - Banks are adjusting credit limits and pricing based on macroeconomic conditions and the creditworthiness of clients, with a focus on dynamic management of credit assets [2]. - Recommendations for banks include analyzing existing credit assets, adjusting risk limits, and providing support to affected enterprises through flexible repayment arrangements and new tax policies [2][4]. - New loans should incorporate the impacts of tariff wars into risk assessments, with an emphasis on introducing insurance and risk-sharing mechanisms [2][6]. Group 3: Support for Affected Industries - The Shanghai University of Finance and Economics suggests providing financial support, such as low-interest loans and export credits, to key industries heavily impacted by tariffs, like furniture and toys [4]. - There is a call for banks to offer supply chain financial services to alleviate pressures on upstream suppliers and enhance cash flow management for affected businesses [6]. - The focus on high-tech and innovative sectors is emphasized, with banks encouraged to provide specialized loans based on intellectual property and R&D investments [6][7]. Group 4: Strategic Collaborations - A collaboration between banks and insurance companies aims to create a comprehensive financial service plan for private technology enterprises, facilitating their growth from R&D to market entry [7]. - The article notes that the increase in tariffs may lead Chinese companies to abandon low-price strategies, potentially benefiting high-end equipment industries [7]. - The shift towards high-end, intelligent, and green manufacturing is highlighted as a key trend, with high-end equipment being a crucial driver for economic development [7].