金吾财讯 | 交银国际表示，人民银行发布的4月金融数据显示，中国内地新增社融同比少增5,385亿元，新增人民币贷款同比少增2,900亿元，新增人民币存款同比多增7,100亿元，M1、M2环比基本持平。4月是传统信贷小月，特别是居民端受年度缴税、还贷高峰等因素影响，出现季节性净偿还；从企业端看，中长期贷款同比少增，但票据融资、债券融资、股票融资等同比多增，显示信贷投放节奏更趋均衡，融资结构进一步优化。央行《第一季度货币政策执行报告》更加强调货币政策精准有效，短期内降准降息优先级下降，有利于银行业优化资产负债结构、保持经营韧性。建议继续关注息差压力可控、资产质量稳健的国有大行及头部股份制银行配置机会。
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