不久前，中国人民银行、国家外汇管理局召开2023年下半年工作会议时提出，“大力支持科技创新、绿色发展和中小微企业发展，着力增强新增长动能”。这为商业银行下半年信贷投放和金融服务指明了方向。

　　据《证券日报》记者不完全梳理，截至目前，3家政策性银行以及至少15家A股上市银行已召开年中工作会议，围绕拓市场、强投放、调结构、增效益、防风险等工作目标，制定了下半年“施工图”、明确“工期表”。

　　3家政策性银行均提出，将金融资源聚焦重点领域。例如，国家开发银行明确，“要精准发力，把宝贵金融资源滴灌到经济社会发展重点领域和薄弱环节”；中国农业发展银行提到，“持续加大对清洁能源、国土绿化行动、森林草原湿地生态保护修复、美丽乡村建设以及长江大保护、黄河流域生态保护等重点领域的支持力度”；中国进出口银行则表示，“聚焦重点领域，全面夯实高质量发展基础，不断提升政策性金融治理体系和治理能力现代化水平”。

　　国有大行则发挥担当，围绕“推进高质量发展”安排下一步重点工作。在信贷投放方面，工商银行提到，加大重大项目以及制造业、战略性新兴产业、专精特新、绿色、民企、普惠、涉农等重点领域和薄弱环节的支持力度，全力拓展消费信贷，积极服务稳外贸稳外资，支持房地产市场平稳健康发展，助力现代化产业体系建设，促进经济恢复和产业升级。

　　农业银行明确，“以更大力度服务乡村振兴和农业强国建设”“持续强化实体经济金融服务，助力经济回升向好”。中国银行提出，“高质量服务中国式现代化、高质量服务国家重大发展战略、高质量服务实体经济、高质量服务深化改革扩大开放”。

　　农业银行在年中会议提出，大力支持制造业和科技创新，助力现代化产业体系建设和高水平科技自立自强。交通银行议要求，用好用活“交银科创”系列产品，提高科技金融供给的精准性直达性。浙商银行提出，“优先投向零售、小贷和供应链金融。做大绿色中收（中间业务收入）和绿色收入。”常熟银行提出，“全力推动支持实体、服务小微高质量发展”。

　　多家银行还对优化调整存款结构进行部署。例如，农业银行提到，“促进存款业务稳定持续增长，为服务‘三农’和实体经济投入更多资金”。光大银行对存款业务和资产业务高质量发展展开专题研讨。浙商银行表示，坚定不移压降存款付息率，大力吸收优质负债。厦门银行在2023年年中党建和经营工作会议时提出，全力抓好存款基本盘，着力优化业务结构，实现存款可持续良性增长。

　　防范风险是银行经营工作的永恒主题，多家银行表示，将提升价值创造和风险防控能力，强化重点领域风险防控，加快风险管理数字化建设，坚决守住不发生系统性风险底线。

　　中国银行研究院发布的《2023年三季度经济金融展望报告》提出，面对新形势下的新特点，银行业经营要实现质的有效提升和量的合理增长，进一步夯实资产质量。一是优化金融资源配置，加力支持实体经济。二是提升风控系统的完善性和前瞻性，格外关注城市低收入客群，房地产和住宿餐饮行业、经济偏弱地区等重点领域和薄弱环节的风险防范，严防新增不良贷款。三是高效运用市场化不良资产处置渠道，压降存量不良资产规模。

　　本报记者 杨 洁

Recently, during the work conference for the second half of 2023 held by the People's Bank of China and the State Administration of Foreign Exchange, it was proposed to "strongly support technological innovation, green development, and the development of small and medium-sized enterprises, and focus on enhancing new growth drivers." This has provided guidance for the credit allocation and financial services of commercial banks in the second half of the year.

According to incomplete statistics by Securities Daily, as of now, three policy banks and at least 15 A-share listed banks have held mid-year work conferences. They have formulated "construction plans" and clarified "timelines" for the second half of the year, focusing on expanding markets, increasing credit allocation, adjusting structures, improving efficiency, and preventing risks.

All three policy banks have proposed to concentrate financial resources on key areas. For example, the China Development Bank stated that it should "act accurately and drip precious financial resources into key areas and weak links in economic and social development." The Agricultural Development Bank of China mentioned "continuously increasing support for key areas such as clean energy, land greening actions, ecological protection and restoration of forests, grassland and wetlands, construction of beautiful rural areas, as well as the protection of the Yangtze River and Yellow River Basin ecosystems." The Export-Import Bank of China also expressed a focus on key areas and comprehensive consolidation of the foundation for high-quality development, aiming to continuously improve the modernization level of policy-based financial governance and governance capabilities.

State-owned large commercial banks have taken the initiative to act and arranged key tasks for promoting high-quality development. Regarding credit allocation, the Industrial and Commercial Bank of China stated that it will increase support for key areas and weak links, such as major projects, manufacturing, strategic emerging industries, specialized innovation, green sectors, private enterprises, inclusive finance, agriculture-related sectors, and fully expand consumer credit. It will actively serve to stabilize foreign trade and foreign investment, support the stable and healthy development of the real estate market, contribute to the construction of a modern industrial system, and promote economic recovery and industrial upgrading.

The Agricultural Bank of China clearly stated its commitment to "providing greater support for rural revitalization and building a strong agricultural nation" and "continuously strengthening financial services for the real economy to support economic recovery and improvement." Bank of China proposed to provide "high-quality services for China's modernization, national major development strategies, the real economy, and deepening reforms and expanding opening up."

The Agricultural Bank of China mentioned its strong support for manufacturing and technological innovation, and its assistance in the construction of a modern industrial system and high-level technology self-reliance. Bank of Communications emphasized the use of the "Bank of Communications Technology Innovation" series of products, improving the precision and accessibility of technology financial supply. Zhejiang Commercial Bank stated that it would prioritize investments in retail, small loans, and supply chain finance, aiming to expand green middle-income and green revenue. Changshu Bank proposed to fully promote the high-quality development of entities and serve the development of small and micro enterprises.

Several banks have also deployed the optimization and adjustment of deposit structures. For example, the Agricultural Bank of China mentioned "promoting stable and sustained growth of deposit business and providing more funds for serving 'agriculture, rural areas, and farmers' and the real economy." Everbright Bank conducted in-depth discussions on high-quality development of deposit businesses and asset businesses. Zhejiang Commercial Bank stated that it would resolutely lower the deposit interest rate and vigorously absorb high-quality liabilities. Xiamen Bank, during its mid-year party and operational work conference in 2023, emphasized the focus on strengthening the deposit base, optimizing business structures, and achieving sustainable and healthy deposit growth.

Risk prevention is the eternal theme of bank operations, and several banks have expressed their intention to enhance value creation and risk control capabilities, strengthen risk prevention and control in key areas, accelerate the digitalization of risk management, and firmly guard against systemic risks.

The "Quarterly Economic and Financial Outlook Report for 2023" released by the Bank of China Research Institute proposes that in the face of new characteristics in the new situation, the banking industry should achieve qualitative and effective improvement of operations and achieve reasonable growth in scale, further consolidating asset quality. The report suggests three strategies: optimizing the allocation of financial resources and supporting the real economy, improving the completeness and foresight of the risk control system with special attention to risks in key areas and weak links such as low-income urban groups, the real estate industry, accommodation and catering industries, and economically weak regions, and efficiently utilizing market-based channels for disposing of non-performing assets to reduce the scale of outstanding non-performing assets.

Reported by Yang Jie from this newspaper.