2025年第三季度银行高管商业前景调查

Core Insights - The report indicates strong support among bankers for the independence of the Federal Reserve, with 95% considering it important for monetary policy [1][11][27] - Data security is highlighted as the primary concern in third-party collaborations, with 47% of bankers citing customer data breaches as their top worry [2][14][42] - Overall, bankers express a stable outlook for the industry, with expectations of declining funding costs and a slight increase in loan demand [3][16][46] Group 1: Federal Reserve Independence - 95% of bankers believe maintaining the Fed's independence in monetary policy is important, with 75% stating it is "very important" [1][11][27] - 88% of bankers assert that a Fed governor should only be removed for proven misconduct, reflecting a desire for political neutrality in monetary policy [2][12][23] Group 2: Third-Party Risk Management - Customer data breaches are the foremost concern for 47% of bankers when selecting third-party vendors, followed by vendor-related reputational and operational risks at 38% [2][14][42] - Understanding cybersecurity risks, particularly regarding sensitive consumer data, is deemed the most critical factor in managing third-party relationships by 52% of bankers [2][37] Group 3: Business Outlook - 58% of bankers report that deposit competition has remained steady, with 37% anticipating increased competition in the coming year [3][15][46] - 77% of banks have seen a decrease in funding costs over the past year, and 80% expect further declines in the next 12 months [3][16][46] - 46% of bankers have experienced an increase in loan demand recently, with 47% projecting further growth in the next year [3][16][46] Group 4: Economic Confidence - 36% of bankers believe the economic situation has improved over the past year, the highest level since Q1 2022, and 32% expect further improvement [4][46] - The "Bank Experience Index" and "Bank Confidence Index" have both shown continuous growth, indicating positive sentiment among bankers regarding the industry [4][46] Group 5: Conclusion - The survey reflects a cautiously optimistic outlook for the banking industry, emphasizing the importance of Fed independence and data security in third-party relationships, alongside stable expectations for funding costs and loan demand [5][46]