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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法-行業數據

2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法
行業深度報告 行業深度報告 監管層面亦有調降撥備的可能跡象。2019 年財政部發布《金融企業財務規則》修訂稿并公開征求意見，其中要求“金融企業原則上計提準備不得超過國家規定最低標準的 2倍，超過 2倍的部分，年終全部還原成未分配利潤進行分配”。該文件至今雖未正式發布，但仍表明財政部調降商業銀行撥備的態度； 2020年至 2022年間，國務院及監管亦多次提及下調撥備覆蓋率，鼓勵撥備水平較高的大型銀行有序降低撥備覆蓋率；此外，金融監管總局 2024年規章立法工作計劃中已明確對《商業銀行
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第1頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第2頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第3頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第4頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第5頁
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第6頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第7頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第8頁
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第9頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第10頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第11頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第12頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第13頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第14頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第15頁
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第16頁
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第17頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第18頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第19頁
2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第20頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第22頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第24頁
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2019年以來政府部門多次提到調降撥備覆蓋率，并計劃修訂新貸款損失準備管理辦法_第25頁
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所屬報告： 銀行行業深度報告：破解利潤調節器從撥備論證大行盈利確定性價值-250419（42頁）.pdf
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