Survey report on Chinese bankers in 2021 From PwC & China Banking Association

The following is the Survey report on Chinese bankers in 2021 From PwC & China Banking Association recommended by recordtrend.com. And this article belongs to the classification: PWC, research report, financial technology.

Professor Ba Shusong, chief economist of the association, and members of the research group selected representative financial institutions for key investigation. Second, parallel expansion. The survey was conducted in parallel in 31 provincial administrative regions (excluding Hong Kong, Macao and Taiwan), basically covering all kinds of Chinese banking institutions, comprehensively ensuring high quality and high efficiency. Third, there are various forms. The survey includes not only an electronic questionnaire for bankers, but also face-to-face interviews, telephone interviews and written letters. Fourth, it is highly targeted. The survey closely followed the economic development situation at home and abroad, focusing on targeted special research on hot spots, key and difficult problems in the industry. Fifth, the content is detailed. Through eight months of orderly work, 1794 valid questionnaires were collected, and a large amount of real, accurate and valuable data information was obtained.

2021 is the first year of the 14th five year plan. It is also the first year for China to embark on a new journey of building a socialist modern country in an all-round way and march towards the second Centennial goal. Under the perplexing situation of China covid-19 epidemic prevention and control and the complicated international political and economic situation, how to better advance the goals of the second hundred years and how to promote common prosperity in the development of high quality are the key issues that must be considered in the development of Chinese banking industry.

Although the international environment is becoming more and more complex, the pattern of global supply chain industry chain changes, and the uncertainty of external market increases, financial regulatory policy has become the hot issue most concerned by bankers. Monetary policy has been highly recognized in the evaluation of macro policy effect, and has given a positive evaluation of the effect of the continuous deepening of banking opening to the outside world. Bankers generally agree that we should improve the system and mechanism of financial support for the real economy, and pay attention to the potential impact of future changes in macro leverage on banks.

In 2021, new changes have also taken place in China’s banking development strategy. Promoting digital transformation and empowering customers to improve their business ability has become the strategic focus of high-quality development of the banking industry. Promoting characteristic operation has attracted the attention of more interviewed bankers, and small and micro enterprise customers are still the most concerned customer types of bankers. Among the key national strategic areas, the Yangtze River Delta and Guangdong Hong Kong Macao Great Bay area are the most concerned.

In 2021, the internal risk control and middle and back office operation of the banking industry still attracted much attention. Credit risk is still the most concerned risk of bankers. The attention to liquidity risk has further increased, and the pressure on capital replenishment has increased. Bankers expect to increase the number of employees in the banking industry in the future, the trend of employee structural adjustment is obvious, and information technology talents have become the focus of growth. At the same time, in order to further strengthen policy support for small, medium-sized and micro enterprises and promote commercial banks to reduce the capital cost of serving the real economy, most bankers believe that loan assets will further rise, and the pressure drop of structural deposits will be normalized and standardized management.

In 2021, the level of corporate governance in China’s banking industry was further improved, and the effectiveness of building a corporate governance system with Chinese characteristics in the banking industry has gradually become prominent. At the same time, China’s banking industry continues to strengthen the implementation of social responsibility in various fields and aspects. China’s banking industry has actively expanded green finance business, promoted the implementation of carbon peak and carbon neutralization policies, provided targeted relief for the development of small and micro enterprises by promoting financial product innovation and optimizing credit processes, gradually identified the focus of serving rural revitalization, increased financial supply in key areas and weak links, and promoted the consolidation and expansion of poverty alleviation achievements and effective connection with rural revitalization, At the same time, we will deepen the protection of consumers’ rights and interests.

We would like to take this opportunity to thank all the bankers who accepted this survey. They fill out questionnaires and accept interviews after busy work, and selflessly offer their professional opinions, keen observation and valuable experience. We hope that by reading this report, readers can have a more comprehensive and thorough understanding of the current situation and prospects of China’s banking industry and the aspirations of Chinese bankers. At the same time, we thank all sectors of society for their extensive attention and love for this report, and sincerely look forward to readers’ valuable comments and suggestions. The support and attention of readers will be the source of our unremitting efforts.

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