金吾财讯 | 港股内银股普跌，截至发稿，青岛银行（03866）跌3.54%，中信银行（00998）跌3.42%，重庆农村商业银行（03618）跌3.12%，民生银行（01988）跌2.91%，农业银行（01288）跌2.75%，招商银行（03968）跌2.62%，建设银行（00939）跌2.51%，工商银行（01398）跌2.47%，中国银行（03988）跌2.31%，邮储银行（01658）跌2.10%。消息面上，瑞银研究指，内地政策重心转向化解地方隐性债务及防范风险，信贷需求短期料维持疲弱；截至7月，贷款按年增长5.1%。由于全面降息及基于DR利率的快速重定价可能性较低，该行认为净息差下行压力有所缓解；但随着存款重定价效应减弱，上行空间同样可能有限。与此同时，借款需求疲弱（例如地方政府融资平台和居民部门等）以及贷款向债券融资替代，意味着整体信贷增长将持续低迷。国有银行派息率提高1个百分点至31%的安排有望延续，但进一步连续上调的确定性较低。该行表示，继续看好股息率较高、防御属性突出的银行。
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