黑创世纪全职业技能搭配指南,
CBN丨Chinese banks to cut existing mortgage rates
Hi everyone. I’m Stephanie LI.
大家好,我是主持人李莹亮。
Coming up on today’s program.
重点提要
Major banks in China are expected to cut mortgage and deposit rates in stimulus bid;
Guangzhou becomes the first among top Chinese cities to ease mortgage curbs.
Here’s what you need to know about China in the past 24 hours
中国经济要闻
China’s largest banks are preparing to cut interest rates on existing mortgages and deposits, the latest state-directed measures to shore up growth in the world’s second-largest economy.
The big state-owned banks are working on reducing rates on the majority of the nation’s 38.6 trillion yuan of outstanding mortgages, representing 17 percent of banks' total loan books, according to people familiar with the matter.
A rate cut for existing home mortgages is necessary, and China Merchants Bank has been studying such a move, said Peng Jiawen, the bank’s assistant president. The biggest retail lender in China developed a contingency plan for potential reductions in existing mortgage rates, but the final plan has not been completed, he added.
The cuts are highly anticipated by investors after the central bank hinted at support in mid-July. The central bank's proposal to cut rates, which came after a wave of early repayments of mortgage debt, aims to reduce the interest rate costs for homebuyers and to boost consumption.
While China has reduced benchmark rates and pushed the average mortgage cost to a record low, most Chinese households didn’t benefit as banks won’t reprice existing loans until the beginning of next year.
Agricultural Bank of China, one of China’s largest lenders, will formulate detailed guidelines and complete the preparation of new loan contracts as soon as possible, media reported Tuesday quoting vice president Lin Li as saying at its earnings briefing.
A picture circulating on China’s social media yesterday shows that the state-owned Bank of Communication is conducting internal discussions to prepare for the mortgage rate cut.
As of June, 100 out of 343 Chinese cities have lowered the rate floor of new-home mortgages or removed the minimum required, the PBOC said in its quarterly monetary policy report on Thursday. That has brought the nation’s average mortgage rate to 4.11 percent in June, down 0.51 percentage point from a year earlier.
China has been cutting new mortgage rates since last year to boost sales in its ailing property market, but the main result so far has simply been a rush by households paying off existing mortgages early, squeezing banks' profits.
Lowering existing mortgage rates is expected to further weigh on the banking sector's net interest margin (NIM) - a key gauge of profitability - which fell to a record low at the end of the second quarter, official data showed. To soften the hit on the margins, major state banks may also lower interest rates on some fixed-term deposits.
8月29日,一张《关于召开个人住房贷款存量利率调整项目启动会议的通知》的截图,进一步抬升了居民存量房贷利率下调的预期。
图中显示,该银行拟于8月30日(本周三)召开个人住房贷款存量利率调整项目启动会议,要求数管部、软件中心、数据中心、测试中心、个金部/消保部、公司部、网金部等部门参会。21世纪经济报道记者独家了解到,该截图信息为真,即将召开此次会议的是国有六大行之一的交通银行,该会议由该行零售信贷部牵头召开。
“此次会议也强调了是内部研究会议,可能尚未有明确监管要求下达。由于居民存量房贷利率因人而异,每座城市的楼市现状、现行政策、客户情况、利率结构等又有所不同,各部门协调也要一定的时间,估计存量房贷利率下调会按节奏循序渐进地推进。”一位接近交行的人士对记者表示。
事实上,多家银行同交行一样正在做相关预案。
同样在8月29日,关于存量房贷利率调整,招行行长助理彭家文在该行中期业绩交流会上表示,从央行的发声来看,“鼓励和支持”直接变成了“指导”,判断存量房贷利率下调势在必行,是大概率事件。目前来看招行已经制定了相应的预案,但还没有最终的方案。主要考虑是现在有很多因素需要兼顾好。
当天下午,在农业银行2023年中期业绩发布会上,该行副行长林立表示,近期央行明确要指导商业银行的有序调整存量个人住房贷款利率,农行认为,一方面有利于减轻部分存量居民住房贷款客户的财务成本负担,另一方面也有利于商业银行平滑提前还款的压力,有利于平稳经营。在有关政策方案明确之后,农行将抓紧制定具体的操作细节,尽快完成合同文本的准备,加紧系统改造调整等方面的工作。
除了农行、交行和招行,此前,建设银行、平安银行、华夏银行、中信银行已经就存量房贷利率调整话题进行了回应,由于监管部门具体的指导方案还没有出台,多数银行表态正在研究,准备预案,并积极与监管沟通。
在近期陆续召开的上市银行业绩发布会上,多家银行在存量房贷利率下调等问题的回应中都提及了要“因城施策”。比如,中信银行副行长谢志斌称,在实际操作时,银行既需要考虑政策的一致性,也需考虑各地区的差异性以及利率调整力度等诸多因素。他表示,房地产政策是因城施策的,各地区按揭贷款利率差异较大,因此存量房贷利率调整确实难以实现“一刀切”的管理政策。
事实上银行最为焦灼要不要降存量房贷利率的时间点是在今年上半年,当时正处于客户提前还贷高峰,当下高峰已过,银行更焦虑的是净息差严重收窄,且趋势还在延续。截至8月29日,已有24家上市银行公布上半年净息差数据,净息差范围在1.31%至3.00%之间,与去年末相比,24家银行中,23家银行的净息差收窄,其中,6家上市银行的净息差下降0.2个百分点以上。
有券商研报预计,主要银行或于近期再次下调存款挂牌利率并同步下调内部利率授权上限,且幅度大于上轮。
Greater Bay Area, Greater future
新使命,大未来
China's southern city of Guangzhou on Wednesday issued a notice allowing home buyers to enjoy preferential loans for first-home purchases regardless of their previous credit record, becoming the first out of four top tier cities to officially drop major mortgage curbs. The new rule applies to home loans contracts signed since Aug.18, 2023. The rest of China's first-tier cities - Beijing, Shanghai and Shenzhen - could follow suit, together with a dozen second-tier cities which have not eased yet. Many smaller cities have already taken steps to make it easier to buy homes.
广州官宣认房不认贷:广州正式打响一线城市“认房不认贷”第一枪。8月30日,广州市人民政府办公厅发布《广州市人民政府办公厅关于优化我市个人住房贷款中住房套数认定标准的通知》,决定自8月30日起,对于居民家庭在购买商品住房时,在当地没有名下成套住房的情况下,不论之前是否已通过贷款购房的,都将按首套住房执行相关住房信贷政策。同时,广州规定了新规执行时间:2023年8月18日0:00后签订个人住房贷款合同的,按新政策执行。
China's State Council has released a plan to boost the high-quality development of a sci-tech innovation cooperation zone jointly developed by the southern tech hub Shenzhen and the Hong Kong SAR. The Development Plan for Shenzhen Park of Hetao Shenzhen-Hong Kong Science and Technology Innovation Cooperation Zone comprises a total of 30 measures, covering such areas as the development positioning, objectives, overall layout and infrastructure layout of the Shenzhen Park, as well as the collaboration with Hong Kong to promote international I&T development.
According to the plan released yesterday, the Shenzhen section of the Hetao zone for science and technology innovation cooperation will seek coordinated development with the section in the Hong Kong SAR. The two complement each other with their respective strengths, making the cooperation zone a key engine for the high-quality development of the Greater Bay Area.
By 2025, a mechanism will be established to support the scientific and technological innovation cooperation between the two regions, the plan states, as the reconstruction of the Huanggang checkpoint will be completed to speed up customs clearance procedures. By 2035, the Shenzhen section is expected to become a world-class research hub with innovation exchanges, supporting the development of the Guangzhou-Shenzhen-Hong Kong-Macao sci-tech innovation corridor.
国务院印发河套规划:国务院8月29日印发《河套深港科技创新合作区深圳园区发展规划》,要求与香港园区协同发展、优势互补,打造粤港澳大湾区国际科技创新中心重要极点,努力成为粤港澳大湾区高质量发展的重要引擎。《规划》共30条措施,涵盖深圳园区的规划背景、发展定位、目标、总体布局以及协同香港推动国际科技创新。《规划》明确,到2025年,基本建立高效的深港科技创新协同机制;皇岗口岸整体完成重建,跨境基础设施互联互通,实现运转高效的通关查验模式创新;到2035年,成为世界级的科研枢纽,有力支撑粤港澳大湾区国际科技创新中心广深港科技创新走廊建设。
Hong Kong's government said on Tuesday that it had set up a task force to "enhance" stock market liquidity in order to strengthen the city's competitiveness and the development of its capital market in the short, medium and long term. The task force will “review internal and external factors affecting market liquidity, including the listing regime, market structure and trading mechanism” and make recommendations to promote Hong Kong’s stock market to issuers and investors, the government said in a statement. Chaired by Carlson Tong, the former chairman of SFC, the task force will include members from the financial services sector, regulators, government officials and representatives from the city’s stock exchange.
香港成立专责小组促进股市流动性:8月29日,中国香港特区政府发布新闻公报,宣布成立促进股票市场流动性专责小组。专责小组由现任渣打银行、香港铁路有限公司及港交所独董唐家成担任主席,成员包括其他八位来自金融业界的人士、相关政府官员,以及金融监管机构和香港交易及结算所有限公司的代表。专责小组将全面检视影响市场流动性的内外主要因素,包括上市制度、市场结构、交易机制等方面。专责小组亦会就提升香港股票市场的竞争力、促进其可持续发展,以及如何向重点市场的发行人和投资者推介本港股票市场等事宜,提出具体建议。
Hong Kong's Securities and Futures Commission(SFC) has frozen a number of client accounts under the care of six brokers in a joint operation with the Independent Commission Against Corruption(ICAC) over suspected market manipulation.The SFC has issued restriction notices to six brokers, including Futu Securities International. The investigation found a syndicate was suspected of ramping up the share prices of two listed firms from December 2022 to August 2023 to inflate the market capitalization of the two firms in order for them to be included as constituents of some major market indices, after which the syndicate members could sell their shares to index tracking funds at inflated prices.
香港证监会出手打击市场操纵集团:8月29日晚间香港证监会网站公布,香港证监会与廉政公署采取联合行动,事件涉及两家在港交所上市的公司,其股份于2022年12月至2023年8月期间怀疑被操纵。香港证监会已就上述的联合行动6家证券行发出限制通知书,禁止它们处理或处置8个交易帐户内的资产。香港证监会调查发现,该疑似市场操纵集团涉嫌策划推高上述两家上市公司股价,进而将自身持有的股份出售给指数追踪基金,以此获利。这六家证券行分别是:富昌证券有限公司、富途证券国际(香港)有限公司、华业证券有限公司、利高证券有限公司、华盛资本证券有限公司及尊嘉证券国际有限公司。证监会表示这6家券商并非调查对象,有关限制通知书并不影响其运作。
A total of 1.28 million guests checked in Macao's hotel establishments in July, leaping over three fold year-on-year, Macao’s statistics department said on Tuesday. The average occupancy rate of guest rooms in July rose to 89 percent. Guests from the Chinese mainland and the Hong Kong SAR jumped by 3.2 times and 12.6 times year-on-year to 946,000 and 200,000, respectively.
澳门7月酒店住客同比上升3.4倍:澳门特区政府统计暨普查局8月29日发布消息称,澳门7月客房平均入住率同比上升50.2个百分点至89.0%;7月酒店业场所住客同比上升3.4倍至127.9万人次。中国内地、中国香港的住客分别增加3.2倍、12.6倍,达94.6万人和20万人。
Next on industry and company news
产业及公司新闻
China's state-owned enterprises (SOEs) and state holding enterprises saw their revenues and profits grow in the first seven months of 2023, the Ministry of Finance said on Tuesday. Revenues hit 47.72 trillion yuan, up 4.3 percent year-on-year, while profits reached 2.73 trillion yuan, an increase of 3.9 percent from a year earlier.
前7月国企利润总额同比增3.9%:据财政部资产管理司29日消息,财政部公布2023年1-7月全国国有及国有控股企业经济运行情况。1-7月,国有企业营业总收入477160.7亿元,同比增长4.3%。1-7月,国有企业利润总额27332.5亿元,同比增长3.9%。
Oriental Selection, the livestreaming arm of Chinese education company New Oriental Education & Technology Group, kicked off a livestreaming session on Alibaba's Taobao Live, at 8 am on Tuesday, attracting more than 2.1 million viewers and surpassing 10 million yuan in sales within the first hour.
东方甄选淘宝首秀一小时破千万销售额:新型直播带货平台——东方甄选于8月29日上午8点在淘宝开启首秀“盘淘会”。本次开启的直播活动由教育巨头新东方的创始人俞敏洪和东方甄选的CEO东方小孙亲自带队。据悉,开播一小时后,直播间销售额突破1000万元,在线人数突破210万。
Alibaba Cloud announced Tuesday the launch of a digital transformation lab in Japan as it seeks to work with local businesses to accelerate digitalization. The lab, mainly targeting sectors including retail and logistics, aims to co-develop innovative industrial solutions with participating members in Japan, according to a press briefing held in Tokyo. Under the program, Alibaba Cloud and its technology partners will provide resources such as cloud computing, AI services, and industrial know-how for program members to upgrade their services.
阿里云在日本设数字实验室:8月29日,阿里巴巴的云计算部门阿里云,宣布在日本启动一个数字化转型实验室,寻求与当地企业合作,加速数字化。据在东京举行的新闻发布会上介绍,该实验室主要针对零售和物流等行业,旨在与日本的参与成员共同开发创新的工业解决方案。根据该计划,阿里云及其技术合作伙伴将为计划成员提供云计算、人工智能服务和工业知识等资源。
Some Chinese airlines have delayed increasing the number of flights to Japan after online ticket searches fell in the wake of Japanese authorities releasing radioactive wastewater into the ocean on Aug. 24. Bookings to Japan have fallen by about one-third this week from the previous seven days, with a jump in refunds, a Chinese carrier told media. Online searches for air tickets to Tokyo and Osaka nearly halved after Aug. 24, according to data from several travel agencies. The price of airfares from Shanghai to Tokyo for the middle of next month was also down 10 percent compared to last week.
赴日机票搜索量减半:日本原本是国内航空公司增开航班的首选目的地,然而在8月24日日本启动核污染水排海后,更多航司选择观望。OTA平台的数据显示,8月24日后,飞往东京、大阪的机票搜索量断崖式下跌,较8月24日前减少近一半。9月中旬上海飞往东京的机票价格,也比上周降了近一成。一家航司透露本周的赴日机票预订量比上周少了大概三分之一,退票量也同步增加。
Responding to a higher fuel costs, some of China’s top airlines are hiking prices on all domestic fares. Online travel platforms today have been notified by carriers including China Eastern and Qingdao Airlines that they will add a 60 yuan fuel surcharge for a millage under 800 kilometers for adult passengers and 110 yuan above 800 km. The adjustment will become effective on Sep. 5, which is the second increase this year, doubling the current fees.
燃油附加费9月再涨近一倍:8月30日,多家OTA平台表示收到中国东方航空公司、青岛航空等航司口头通知称,受油价波动影响,自2023年9月5日(出票日期)起,成人旅客:800公里(含)以下航线每位旅客收取60元燃油附加费,800公里以上航线每位旅客收取110元燃油附加费。此次调整为2023年以来燃油附加费的第二次上涨,较上月涨了30/50元,已接近去年年底的60/120元。
Earnings reports express
财报速递
Asia's largest oil and gas producer PetroChina’s first-half net profit growth slowed to 4.5 percent year on year to reach 85.3 billion yuan, partly due to the high base in the same period last year when its interim net profit soared 55 percent. Revenue went down 8.3 percent to 1.48 trillion yuan, which the oil giant attributed to lower prices of oil and gas. Total crude oil output increased 1.2 percent year on year to 392 million barrels while gas output rose 7.3 percent to 2.42 trillion cubic feet, China’s second-largest oil refiner announced today.
中石油中期盈利增长4.5%:中国石油股份30日在港交所披露中期业绩,2023年上半年,集团实现营业收入14798.71亿元,比上年同期的16146.21亿元下降8.3%,主要由于集团大部分油气产品销售价格下降以及销量增加综合影响;归属于母公司股东净利润852.72亿元,比上年同期的816.27亿元增长4.5%。今年上半年,国内实现原油产量3.92亿桶,按年增长1.2%;可销售天然气产量2.42万亿立方英尺,增长7.3%;油气当量产量7.95亿桶,增长4.2%。
China's largest insurer Ping An Insurance yesterday said its first-half net profit dipped 1.2 percent yearly to 69.8 billion yuan, partly due to market volatility. Operating profit for the first six months fell 5 percent to 82 billion yuan. Its major business, life and health insurance, fell 1.7 percent yearly to 58.6 billion yuan. The value of new business in the first half, however, jumped 32.6 percent year-on-year to 26 billion yuan. The banking business showed strong growth, with the net profit rising by 14.9 percent to 25.4 billion yuan. The net interest income decreased 2.2 percent yearly to 62.6 billion yuan, as the annualized net interest margin dropped 0.21 points to 2.55 percent. The first-half profit of asset management business slumped 62.3 percent yearly to nearly 2 billion yuan and the operating profit of the tech business dived 57.6 percent to 2.3 billion yuan over the same period.
中国平安上半年净赚698亿:中国平安8月29日发布的2023年半年报显示,今年上半年,中国平安实现归属于母公司股东的净利润698.41亿元,同比微降1.2%;实现营运利润819.51亿元,同比下降5%。分渠道来看,2023年上半年,中国平安寿险及健康险实现营运利润585.93亿元,同比下降1.7%;寿险及健康险业务新业务价值259.60亿元,同比增长32.6%。今年上半年,平安银行实现归属于母公司股东净利润253.87亿元,同比增长14.9%。其中利息净收入626.34亿元,同比下降2.2%;净息差2.55,降低0.21点。资产管理业务净利润为19.76亿,同比下降62.3%;科技业务营业利润22.5亿,同比下降57.6%。
The Agricultural Bank of China saw its half-year net profit increase by 3.48 percent year-on-year to 133.2 billion yuan. First-half operating income reached 365.8 billion yuan, up 0.7 percent. But net interest income declined by 3.25 percent to 290.4 billion yuan. The net interest margin was 1.66 percent, while the net interest spread was 1.49 percent. Both decreased by 36 and 37 basis points respectively year-on-year. The bank's total non-performing loans as of June 30 stood at 294.4 billion yuan, up 23.3 billion yuan from the end of last year. But its non-performing loan ratio decreased by 0.02 to 1.35 percent from the end of last year.
农行上半年净赚1332亿增3.5%:8月29日,中国农业银行发布的2023年半年报显示,今年上半年,农行实现归属于母公司股东的净利润1332.34亿元,同比增长3.5%;实现营业收入3657.58亿元,同比增长0.8%。但利息净收入有所下降,2023年上半年,农行实现利息净收入2904.21亿元,同比减少97.56亿元。2023年上半年,农行净利息收益率为1.66%,净利差为1.49%,同比分别下降36个和37个基点。就资产质量来看,截至6月末,农行不良贷款余额2943.87亿元,较上年末增加233.25亿元;不良贷款率1.35%,较上年末下降0.02个百分点。
Pinduoduo beat second-quarter revenue estimates on Tuesday, as the discount e-commerce platform attracted price-conscious customers in China and its international shopping site, Temu, continued its rapid growth. The company said revenue jumped 66 percent from a year earlier to 52.3 billion yuan in the second quarter. Net profit attributable to ordinary shareholders rose to 13.11 billion yuan from 8.9 billion yuan a year before, with a profit margin of 25 percent.
拼多多二季度营收大增66%:8月29日,拼多多集团发布截至6月30日的2023年第二季度业绩报告。财报显示,拼多多集团今年第二季度收入为523亿元,同比增长66%,超出市场预期。二季度归属于普通股股东的净利润为人民币131.081亿元,较2022年同季度的人民币88.963亿元增长47%。拼多多集团执行董事、联席首席执行官赵佳臻表示,如618年中大促,拼多多加大补贴力度,全品类销售规模增长显著。
Chinese EV start-up Nio predicts its third-quarter deliveries will soar by as much as 80 percent as it becomes the latest major electric-car builder in China to benefit from a release of pent-up demand. Nio said yesterday it would hand 55,000 to 57,000 vehicles to Chinese customers between July and September, up by at least 74 percent from the same period a year ago. During the second quarter, vehicle deliveries totaled 23,520 units, falling 6.1 percent yearly and 24.2 percent over the previous quarter. Nio said its net loss in the second quarter widened by 27.8 percent on the year to 6.1 billion yuan. Revenue slipped 14.8 percent to 8.77 billion yuan. Interim net loss widened by 138 percent year-on-year to 10.8 billion yuan.
蔚来给出历史最高交付指引:在经历了上半年的低迷后,蔚来押注第三季度,并给出了历史最高交付和营收指引。8月29日,蔚来发布的二季报显示,2023年第二季度,蔚来营收为87.7亿元,同比下降约14.8%,环比下降17.8%;净亏损达60.56亿元,亏损额进一步扩大。营收、净利下滑的背后是蔚来二季度销量的走低。第二季度,蔚来累计交付23520辆,环比下滑24.2%,4月和5月份单月交付量仅为6000辆左右。对于三季度预期,蔚来2023年Q3交付指引为5.5万-5.7万辆,营收指引为189.0亿-195.2亿元,为历史最高交付和营收指引。今年7月,在新款ES6销量拉动,以及全系新车价格和首任车主用车权益调整刺激下,蔚来汽车月度交付量首破2万辆,达2.04万辆。
Xiaomi Corp yesterday reported better-than-expected profit after cost-cutting efforts and a focus on more expensive mobile devices helped buoy margins and offset a moribund smartphone market. Interim adjusted net profit jumped 69.5 percent to 8.4 billion yuan from a year ago. Revenue, however, fell by 11.6 percent to 126.8 billion yuan in the first half, as the global smartphone market continued to witness subdued demand. Xiaomi's R&D expenses totaled 4.6 billion yuan in the second quarter, reflecting a 21 percent increase compared to the previous year. It anticipates its R&D investment to surpass 100 billion yuan over the five-year period spanning from 2022 to 2026.
小米上半年净利大涨七成:8月29日晚间,小米集团发布二季度及半年报,上半年经调整净利润83.7亿元,同比增长69.5%。小米公司2023财年上半年收入为1268亿元,同比上一财年同期的1435亿元,收入下降11.6%。研发开支由2022年第二季度的人民币38亿元增加21.0%至2023年第二季度的人民币46亿元。小米集团预计2022年至2026年总研发投入将超过1000亿元。
China's food and beverage market has shown signs of a fast-lane recovery, with a number of A-share listed catering firms reporting growth in their first-half net profits. Top Chinese hotpot chain Haidilao released its interim report on Tuesday, which showed that revenue rose 24.6 percent year-on-year to 18.9 billion yuan. Net profit reached a record 2.26 billion yuan. Its rival Xiabuxiabu Catering turned a loss of 278.2 million yuan in the first half of 2022 to a profit of 2.12 million yuan this year. China Quanjude Group realized a net profit of 27.9 million yuan, a growth of 118 percent year-on-year, its interim report showed. Tongqinglou Catering also achieved a rapid recovery. The China Time-honored brand had first-half revenue of 1.08 billion yuan, up 45.2 percent, and net profit was up almost 590 percent to 146 million yuan.
餐饮类公司上半年业绩亮眼:今年以来,促消费政策持续显效,餐饮消费市场整体呈现良好恢复态势。8月29日,海底捞发布中期业绩,报告显示,海底捞期内营收为188.9亿元人民币,同比增长24.6%;净利润22.6亿元,创上半年业绩新高。呷哺呷哺8月27日晚间在港交所公告,2023年上半年,集团期内实现扭亏为盈,利润为212万元。上半年,全聚德实现归母净利润0.28亿元,同比增长118.28%,扭亏为盈。老字号品牌同庆楼上半年营业收入10.82亿元,同比增长45.18%;归母净利润1.46亿元,同比增长589.46%。
Switching gears to financial news
金融市场消息
A number of Chinese mainland-listed firms whose shares are trading below par have reportedly said major stakeholders will not go ahead with plans to pare their stakes after the securities watchdog stiffened the requirements as part of measures rolled out at the weekend to boost investor confidence and spur the ailing stock market. Thirty companies said yesterday that major shareholders will not proceed with stake sales, while 10 others announced buyback plans. Many more are likely to follow suit as approximately 150 of the listed firms have announced repurchase plans within less than two weeks.
上市公司股东回购潮持续:29日晚间,中微公司、中科软、科士达、凯中精密、得润电子、龙津药业等30多家上市公司公告,公司的控股股东、实际控制人、持股5%股东、董事或高级管理人员决定提前终止减持计划。另外,29日晚间,又有近10家上市公司加入回购大潮。其中包括九安医疗、中远海控、华熙生物等行业龙头公司。同时,据不完全统计,8月18日至今,11天内,A股市场发布回购预案的上市公司数量已接近150家。
Wrapping up with a quick look at the stock market
股市收盘情况
Chinese stocks edged up on Wednesday with the benchmark Shanghai Composite ticking up 0.04 percent and the Shenzhen Component advancing 0.3 percent. Hong Kong’s Hang Seng index ended almost flat while the TECH index dipped 0.9 percent.
A股微涨港股收跌:周三大盘早盘冲高回落午后窄幅震荡,三大指数涨跌不一。截至收盘,沪指涨0.04%,深成指涨0.26%,创业板指跌0.05%。沪深两市全天成交额9843亿元,较上个交易日缩量528亿。北向资金全天净卖出24.63亿元。港股恒生指数收跌0.01%,恒生科技指数收跌0.92%。
Biz Word of the Day
财经词汇划重点
Net interest margin (NIM)reveals the amount of money that a bank is earning in interest on loans compared to the amount it is paying in interest on deposits. NIM is one major indicator of a bank's profitability and growth.
净息差是指银行净利息收入(利息收入和利息费用之差)和银行全部生息资产的比值。目前,我国商业银行的主要营收及利润来源仍高度依赖利息收入,作为反映商业银行综合经营能力和盈利能力的关键指标,净息差的变动备受银行和投资者关注。
Executive Editor: Sonia YU
Editor: LI Yanxia
Host: Stephanie LI
Writer: Stephanie LI
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Produced by 21st Century Business Herald Dept. of Overseas News.
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