中国银行业协会发布的《中国银行家调查报告（2022）》（以下简称《报告》）显示，随着党的二十大胜利召开，高质量发展成为中国全面建设社会主义现代化国家的首要任务，中国银行业的发展战略也出现了新的调整。信贷需求减弱跃升成为商业银行主要经营压力，数字化智能化转型成为银行业新的利润增长点。增强战略调整时效性依然是战略管理首要考虑的问题。银行重点发展区域呈现差异化特征，国家战略重点区域中长三角区域和粤港澳大湾区最受关注；小微企业客户依然是受访银行家最为关注的客户类型。特色化经营成为银行业实现高质量发展的主要途径，为小微企业提供一体化融资服务是特色化经营的重要措施；国际化发展仍为银行业的主流趋势。
关于商业银行的战略重点，59.9%的银行家选择“推进数字化转型”作为战略重点。在金融科技浪潮之下，商业银行加快金融科技创新，推进数字化转型。超四成银行家将“推进风险管控能力提升”（41.9%）作为重要战略选择，与上年度相比，选择占比跃升到第二位。金融科技的发展加快了金融脱媒，加大了商业银行在资产业务和负债业务上的压力，促使商业银行选择更高风险的业务来提高利润，增加了银行风险管控压力。
调查结果显示，受访银行家将“信贷需求减弱”（60.7%）列为银行业面临的最主要经营压力。这一选择的占比从上年度第四位跃升至今年的第一位。疫情的散点反复导致企业和居民的投资和消费意愿不强，居民预防性储蓄增加，社会有效需求不足，信贷增速放缓。在经营压力日益加大的背景下，商业银行积极谋求和推进新的利润增长点。55.4%的受访银行家认为“金融科技引领数字化转型，带动业务增长”是银行业未来利润首要的增长点。
当前国内外经济金融形势复杂多变，也对银行战略管理提出了新的挑战。关于银行家认为战略管理上重点提升方面，“提高战略调整的时效性，积极应对市场变化”（60.4%），“提升战略前瞻性，提前谋篇布局”（54.8%）和“加强全行发展战略的持续性和稳定性”（50.2%）依然位列前三位。
近年来，国家高度重视小微企业发展，党的二十大报告提出“支持中小微企业发展”。在对银行客户群体选择的调查中，小微企业客户（73.4%）依旧是银行家最为关注的客户类型。小微企业客户市场发展潜力较大，大力开拓小微企业客户市场也将有利于银行业开辟新的利润增长点。
党的二十大报告提出，以城市群、都市圈为依托构建大中小城市协调发展格局。调查结果显示，在银行业下一阶段拟重点布局的国家战略重点区域中，“长三角区域”（20.3%）和“粤港澳大湾区”（20.0%）位居一二位。银行业加大金融支持长三角一体化发展和粤港澳大湾区建设力度，既是把握政策落地机遇的重要举措，也是主动服务重大国家战略的使命担当。
在对乡村振兴战略的关键领域调查中，“新型农业经营主体和农户”（63.5%）是银行家支持乡村振兴战略中重点关注的领域。当前，新型农业经营主体已经成为发展现代农业的生力军。强化新型农业经营主体和农户的金融供给，对推动农业现代化和乡村振兴具有重要意义。近半数银行家认为信用环境建设滞后、涉农贷款风险把控较难（49.2%）是当前银行服务乡村振兴战略面临的主要困难。
《报告》显示，“满足高质量金融发展的需要”（59.8%）依旧是银行业推进特色化经营的主要动因。党的二十大报告指出，要坚持以推动高质量发展为主题，把实施扩大内需战略同深化供给侧结构性改革有机结合起来，加快建设现代化经济体系。从当前银行业特色化经营的主要领域来看，“小微金融”（73.0%）已成为银行业特色化经营的主战场。
创新供应链金融服务和产品是银行支持做好金融保链、稳链、强链的主要措施。《报告》显示，超四成银行家将创新供应链金融服务（44.9%）和产品（43.2%）作为支持供应链、产业链发展的主要措施。
2022年以来，俄乌战争及新冠肺炎疫情的延续加剧了全球经济波动，全球经济发展速度有所减缓，银行业国际化发展也面临新的挑战。《报告》显示，受访银行家有65.8%选择了未来将稳步推进银行国际化发展；有7.8%的银行家选择了未来将加速本行国际化发展。在商业银行海外发展过程中，服务中资企业“走出去”成为了银行家最为关注的方向（49.5%），也是银行业海外发展的重要业务载体,通过创新境内外联动等方式为中资企业的海外业务拓展提供综合化一站式金融服务。
翻译：
The Survey Report on Chinese Bankers (2022) released by China Banking Association (hereinafter referred to as “the Report”) shows that with the victory of the 20th National Congress of the Communist Party of China, high-quality development has become the top priority of China’s comprehensive construction of a modern socialist country, and the development strategy of China’s banking industry has also seen new adjustments. Weakening credit demand has become a major operating pressure for commercial banks, and digital and intelligent transformation has become a new profit growth point for the banking industry.
Enhancing the timeliness of strategic adjustment is still the primary consideration of strategic management. The key regions for the development of banks show the characteristics of differentiation. And the Yangtze River Delta. And the Guangdong-Hong Kong-Macao Greater Bay Area are the most concerned among the national strategic key regions. Small and micro business customers are still the most focused type of customers surveyed by bankers. Characteristic operation has become the main way to achieve high quality development of the banking industry. Providing integrated financing services for small and micro enterprises is an important measure of characteristic operation. International development is still the mainstream trend of banking.
Regarding the strategic focus of commercial banks, 59.9% of bankers chose “promoting digital transformation” as the strategic focus.
Regarding the strategic focus of commercial banks, 59.9% of bankers chose “promoting digital transformation” as the strategic focus. Under the wave of fintech, commercial banks accelerate fintech innovation and promote digital transformation. More than 40% of bankers took “promoting the improvement of risk control ability” (41.9%) as an important strategic choice. Which jumped to the second place compared with last year. The development of fintech has accelerated financial disintermediation. Which increased the pressure on commercial banks in asset business and liability business. It prompted commercial banks to choose businesses with higher risks to improve profits. And increased the pressure on banks’ risk control.
According to the results of the survey, bankers surveyed listed “weaker demand for credit” (60.7 per cent) as the top operating stress facing the banking industry.
According to the results of the survey, bankers surveyed listed “weaker demand for credit” (60.7 per cent) as the top operating stress facing the banking industry. It jumped from fourth place last year to first place this year. The spread of the epidemic has repeatedly led to weak investment and consumption willingness of enterprises and residents. It increased precautionary savings of residents, insufficient effective social demand, and slower growth of credit. Under the background of increasing operating pressure, commercial banks actively seek and promote new profit growth points. 55.4% of the bankers surveyed believe that “fintech leads digital transformation. And drives business growth” is the primary growth point for future profits of the banking industry.
At present, the complex and changeable economic and financial situation at home and abroad also poses new challenges to the strategic management of banks. As for the key improvement of strategic management. “Improving the timeliness of strategic adjustment and actively responding to market changes” (60.4%), “enhancing strategic foresight and planning in advance” (54.8%) . And “strengthening the sustainability and stability of the whole bank’s development strategy” (50.2%) still ranked the top three.
The state has attached great importance to the development of small and micro enterprises.
In recent years, the state has attached great importance to the development of small and micro enterprises. The Party’s twenty major reports have proposed “supporting the development of small, medium and micro enterprises”. In the survey on the selection of bank customer groups, small and micro enterprise customers (73.4%) are still the most concerned customer type of bankers. The small and micro enterprise customer market has great potential for development, and vigorously exploring the small and micro enterprise customer market will also help the banking industry to open up new profit growth points.
Proposed to build a coordinated development pattern of large, medium and small cities based on city clusters and metropolitan areas.
The report of the 20th National Congress of the Communist Party of China proposed to build a coordinated development pattern of large, medium and small cities based on city clusters and metropolitan areas. According to the survey results, the Yangtze River Delta (20.3%) and the Guangdong-Hong Kong-Macao Greater Bay Area (20.0%) rank first and second among the national strategic key regions that the banking industry plans to focus on in the next stage. To increase financial support for the integrated development of the Yangtze River Delta and the development of the Guangdong-Hong Kong-Macao Greater Bay Area is not only an important measure for the banking industry to seize the opportunity of policy implementation, but also a mission to proactively serve major national strategies.
The main body of new agricultural management has become a new force to develop modern agriculture.
In the survey of the key areas of the rural revitalization strategy, “new agricultural operators and farmers” (63.5%) was the key area of the banker’s support for the rural revitalization strategy. At present, the main body of new agricultural management has become a new force to develop modern agriculture. Strengthening the financial supply of new agricultural operators and farmers is of great significance to promoting agricultural modernization and rural revitalization. Nearly half of the bankers believed that the lag in the construction of credit environment and the difficulty in controlling the risks of agriculture-related loans (49.2%) were the main difficulties faced by banks in serving the rural revitalization strategy.
“Small and micro finance” (73.0%) has become the main battlefield of the characteristic operation of the banking industry.
According to the report, “Meeting the need for high-quality financial development” (59.8%) is still the main motivation for the banking industry to promote specialized operations. The report to the 20th National Congress of the CPC pointed out that we should adhere to the theme of promoting high-quality development, integrate the strategy of expanding domestic demand with deepening supply-side structural reform, and speed up the building of a modernized economy. From the perspective of the main fields of the characteristic operation of the banking industry, “small and micro finance” (73.0%) has become the main battlefield of the characteristic operation of the banking industry.
Innovation in supply chain financial services and products is the main measure for banks to support the financial chain preservation, stability and strengthening. According to the report, more than 40% of bankers regard innovation in supply chain financial services (44.9%). And products (43.2%) as the main measures to support the development of supply chain and industrial chain.
The Russia-Ukraine war and the continuation of the novel coronavirus pandemic have intensified global economic volatility
Since 2022, the Russia-Ukraine war and the continuation of the novel coronavirus pandemic have intensified global economic volatility. It slowed down the global economic development, and faced new challenges to the internationalization of the banking industry. According to the report, 65.8% of the surveyed bankers chose to steadily promote the development of international banks in the future.
7.8 per cent chose to accelerate their bank’s international growth in the future. In the process of overseas development of commercial banks. It has become the most concerned direction (49.5%) of bankers to serve Chinese enterprises to “go global”. It is also an important business carrier for the overseas development of the banking industry. Through innovating domestic and overseas linkage, it provides comprehensive one-stop financial services for the overseas business expansion of Chinese enterprises.
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