一季度,全球经济继续复苏态势,国内经济平稳发展,投资、消费、出口稳定增长,内需支撑作用增强。为抑制物价上涨较快、通胀预期增强,特别是多数城市房价仍在上涨等突出问题,房地产市场调控力度加大,货币政策进一步收紧,货币信贷平稳回调。后三季度,在主权债危机、地域冲突、自然灾害等外部风险因素影响下,在我国政府已采取的一系列调控政策作用下,经济增速将有所放慢,社会流动性增长趋缓,资本市场融资功能增强,人民币国际化步伐加快,房价和物价涨幅将逐步回落,货币政策将由趋紧转为适度。在调控效果逐步显现,经济和市场平稳发展的背景下,商业银行要加强信贷结构调整力度,大力拓展存款、理财、投资银行和金融市场业务,把握人民币国际化机遇,加大国际业务拓展力度和国际化步伐,并严控房地产开发贷款风险、新一轮重复建设带来的风险。 In the first quarter, the global economy continued to recover and the domestic economy developed steadily. Investment, consumption and export grew steadily, and the role of domestic demand support was strengthened. In order to curb the rapid rise of prices and the expectation of inflation, especially the prominent problems such as rising housing prices in most cities, more regulation and control of the real estate market, tighter monetary policy and a steady correction in currency credit. In the third three quarters, under the influence of external risk factors such as the sovereign debt crisis, regional conflicts and natural disasters, under the effect of a series of regulatory policies that the Chinese government has taken, the growth rate of the economy will slow down and the growth of social mobility will slow down. Capital market financing capabilities to enhance the pace of RMB internationalization accelerated, house prices and price increases will gradually decline, the monetary policy will be tightened to moderate. Under the background that control effects are gradually emerging and the economy and market are developing steadily, commercial banks should step up efforts in credit structure adjustment, vigorously expand deposits, wealth management, investment banking and financial markets, capitalize on opportunities for internationalization of the renminbi, and increase international business expansion. International pace, and strictly control the risk of real estate development loans, the risk of a new round of repeated construction.