交通银行副行长周万阜：实时动态优化调整资产负债结构

Core Viewpoint - The core viewpoint of the article emphasizes that net interest margin management is crucial for the sustainable development and performance improvement of commercial banks, as highlighted by the Vice President of Bank of Communications, Zhou Wanfeng [1] Group 1: Net Interest Margin Management - The Bank of Communications has achieved basic stability in net interest margin through various efforts since last year [1] - There is downward pressure on loan interest rates in the new year, while liability repricing may bring new benefits [1] Group 2: Strategies for Maintaining Net Interest Margin - The bank will focus on strict management of the balance between loan volume and pricing, ensuring accountability across all business lines and operational units [1] - The bank plans to implement refined pricing management for deposits and loans, adhering to pricing self-discipline mechanisms [1] - The bank aims to scientifically optimize the asset-liability structure, dynamically adjusting it based on operational goals, pricing trends, liquidity, and interest rate risk factors [1]