早部署、快投放、重质量 银行开年信贷“加速跑”

Core Insights - The banking sector has entered a "full bow" state at the beginning of the year, with a noticeable acceleration in credit issuance, emphasizing "early deployment, rapid disbursement, and quality" [1] - There is a shift from a "scale-first" approach to a focus on the rhythm, structure, and strategy of credit issuance, aiming to optimize credit structure and upgrade service models for long-term development [1] Group 1: Credit Issuance Trends - Banks are prioritizing early loan disbursement to support enterprises' operational needs, with a focus on completing project funding before the Spring Festival [2] - A significant portion of annual credit issuance typically occurs in the first quarter, with frontline credit personnel recognizing the importance of "early disbursement, early returns" [2][3] - A head of a major joint-stock bank noted that achieving 50% to 60% of the annual loan target in the first quarter is crucial to meeting overall goals [3] Group 2: Structural Adjustments in Credit Supply - In response to narrowing net interest margins, banks are recalibrating their credit issuance direction, emphasizing quality and structural optimization over sheer volume [4] - Agricultural Bank of China plans to focus on high-quality credit issuance, targeting key areas aligned with national strategies, with a goal of adding over 60 billion yuan in loans in 2026 [4] - Zhejiang Commercial Bank aims to increase lending in green, technology, manufacturing, agricultural, and private enterprise sectors [4] Group 3: Innovative Approaches to Credit - The People's Bank of China is enhancing the financial policy framework to improve service evaluation and professionalization in financial services [5] - Banks are adjusting their credit structures to address interest margin pressures, with a focus on supporting technology startups despite their limited short-term profitability [5] - Mechanisms such as "pre-approval" processes are being implemented to expedite loan disbursement, exemplified by Ningbo Bank's rapid funding for technology enterprises [5] Group 4: Shift in Business Strategy - Banks are moving away from traditional interest rate competition, focusing instead on comprehensive service and long-term partnerships with clients [6] - A case study of a small agricultural machinery manufacturer illustrates this shift, where service quality and problem-solving capabilities outweighed the importance of interest rates in client decisions [6] - The transition from "single-point service" to "comprehensive empowerment" is becoming a prevalent strategy among banks, integrating various financial tools to support enterprises [6]