Internet Finance Brings Diversity Of Social Financing And Robbed Many Banks.

The era of "profiteering" of banking industry has ended.

In the first three quarters of this year, the net profit of 16 listed banks increased by 2.1% over the same period last year, and the growth rate dropped by 0.3 percentage points compared with the 2.42% in the medium term.

That is to say, the net profit of Indus tree investment is the first bank in the industry.

Meanwhile, as of the end of 9, the balance of non-performing loans of 16 listed banks totaled 907 billion 900 million yuan, approaching trillions of scale, an increase of 6.9% compared with the first half of this year. The rate of non-performing loans was 1.52%, up 7 basis points compared with the end of 6.

The decline of banking profits and the rise of non-performing loans have become the two irreversible trend.

According to the three quarterly information, Indus tree investment platform limited liability company and its Beijing Fengshan investment limited liability company and Beijing Kun Teng investment limited liability company appear on the list of the top ten tradable shareholders of 12 listed companies.

The situation of "three swordsmen" was larger than that in the semi annual report, including the withdrawal of the top ten outstanding shareholders of the 8 companies, 2 new entries and the holding of 6 banks.

In terms of position preference, Indus tree locks the banking industry and Kun Teng prefers property stocks.

Three after the quarterly report, the result is Indus tree preference.

Then, investors still need to follow suit?

Only from the bank stocks invested by Indus tree, the industrial and commercial bank, agricultural bank, Bank of China, Bank of communications, Xingye Bank and Shanghai Pudong Development Bank ranked the top ten in the first three quarters.

Must understand, is the first place in the industry.

Then, what is the overall profit of the banking industry?

Macro and micro two reasons determine the future of banking industry is not good.

From a global macro perspective, at least two aspects are very unfavorable to traditional banks.

First of all, in view of the global economic downturn, the negative interest rate, zero interest rate and ultra-low interest rate policy adopted by various economies, especially in Europe, Japan and Australia, have forced the operation of commercial banks to a dead end, which has greatly reduced their profit margins, and the price competitiveness of absorbing funds has been greatly weakened.

In addition, the euro, pound and yen exchange rate volatility has highlighted the risk of derivatives in European banking industry.

Business has been in an unprecedented predicament.

Secondly, the global banking regulation of banking business is increased and the standard is raised. The banking business is bound, the cost of violation is greatly increased, the penalty amount is more than $100 billion, and the living environment and space are becoming less and less loose.

China's banking industry, which has been deeply opened, can not be left alone.

The biggest impact on the global banking industry is the impact of Internet finance or the technology finance of Europe and the United States.

This kind of impact almost covers all the main business of banks from the perspective of business type.

Payment and settlement business, credit assets business, deposits and other sources of funds business, financial management and other intermediary business, investment banking business and so on.

Especially

The rapid development of finance has made the banking industry helpless, facing the impact, especially in Europe, America and Japan.

The rise of Internet Finance in China is early, and the impact is early and fast, especially in the field of science and technology finance, which has a greater impact on China's banking industry.

The diversification of social financing brought by Internet finance has robbed many banks.

At the same time, Internet finance has directly promoted the development of direct financing of the whole society, and direct financing is the grave of traditional bank indirect financing.

Of course, for extremely conservative individual investors to invest in large bank stocks, it is generally higher than savings or even monetary fund returns.

After all, the status of a state-owned bank is still safe and secure.

Under the multiple impact of the above macro environment and technology finance, the traditional banking industry has highlighted the decline and sunset.

In this period, it is the investment of the Indus tree in sovereign wealth funds, and private capital investment and individual investors should not blindly follow up, especially should not be a long-term investment target.

Of course, there are short opportunities in the short term when the banks of the phoenix tree, the central bank and the Bank of China prove the bank shares as the backing of the banks.