金吾财讯 | 交银国际表示，人民银行发布的金融数据显示，1月新增社融7.22万亿元，同比多增1,662亿元；M1、M2增速分别为4.9%和增速9.0%，好于市场预期；居民部门贷款同比多增127亿元，存款同比少增3.39万亿元，显示居民端信贷需求正在修复，投资和消费预期向好。该机构指，1月新增社融同比多增，M1和M2增速加快，特别是居民贷款同比多增、居民存款同比少增，显示居民端信贷需求正在修复，市场主体经营环境有所改善。此外，结合前期部分银行披露的2025年业绩快报情况看，伴随稳增长政策靠前发力、投资和消费预期向好，金融机构业绩增长有望得到进一步支撑，建议关注基本面稳定、同时股息较高的股份制银行结构性机会。
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