金吾财讯 | 港股内银股盘初多股扬升，截至发稿，九江银行(06190)涨6.91%，农业银行(01288)涨2.85%，天津银行(01578)涨1.48%，招商银行(03968)涨1.47%，中信银行(00998)涨1.30%，邮储银行(01658)涨1.25%，交通银行(03328)涨1.02%。消息面上，万联证券新近研究指，6月社融存量和信贷存量增速继续放缓。1-6月政府债净融资额6.44万亿元，同比少增1.22万亿元，主要受2025年同期集中发行特别国债和专项债的高基数因素影响。若按两会目标执行，下半年财政有望发力，或带动信贷投放企稳。2026年一季报，净息差企稳以及非息收入改善，使得整体营收端增速持续改善，利润改善弹性小于营收，主要是受到拨备因素的影响。综合考虑银行股当前的股息率以及估值水平，该机构认为板块仍具有配置价值，首先，优选稳健性品种；其次，可关注优质区域行的预期差机会以及低估值股份行的投资机会。
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