The China Banking Association and PricewaterhouseCoopers recently issued the survey report on Chinese bankers (2021), which conducted a questionnaire survey on 1794 bankers from various banking institutions in China. At present, bankers can get a clear answer through the report on what they value most, what they worry about most and what they are planning. Which industries attract the most money? The survey shows that in 2021, the medical and pharmaceutical industry, information technology service industry and infrastructure industry are among the top three industries for which loans are invested. Encouraged by a series of national policies, machinery manufacturing industry and aerospace industry have become the new focus of bank credit, ranking fourth and fifth respectively. In the survey on the development focus of corporate financial business, 74.5% of bankers said that small and micro enterprise loans are the focus of banking corporate financial business, ranking first for 10 consecutive years. In the survey on the development focus of personal financial business, 65.7% of bankers believe that wealth management is the primary focus of the development of personal financial business. Compared with previous years, wealth management has become the first focus of the development of personal financial business for the first time, and the attention has increased significantly. Xing Wei, Party Secretary of China Banking Association, said that financial management business is not only an important way for banks to lighten the transformation and broaden the source of income from intermediary business, but also conducive to increasing residents' property income and supporting the diversified financing needs of the real economy. The survey shows that under the main tone of "no speculation in housing", the real estate industry is still the key restricted industry for bank credit investment, but the reasonable housing capital needs of residents will be guaranteed. What kind of talents are most popular? The survey shows that the structural adjustment trend of banking employees is obvious, and information technology talents have become the focus of growth. With regard to the changes in the employee structure of China's banking industry in the next three years, 73.4% of bankers believe that the number of information technology related employees will increase, more than 60% of bankers believe that the number of employees engaged in corporate financial business and personal financial business will increase, and nearly 50% of bankers say that the number of employees engaged in counter services will decrease. Experts said that in recent years, the deep integration of Finance and technology has promoted the banking industry to improve quality and efficiency in terms of products, services, business models and business processes. In this process, bankers show full enthusiasm for financial technology, and talents have increasingly become the key to the development of bank financial technology. According to the survey, about 80% (78.7%) of the bank's financial technology personnel account for no less than 2% of the total number of employees. What risks are you most worried about? The survey shows that credit risk, as the most basic and important risk in the banking industry, is the risk most concerned by bankers. According to the score given by bankers on the risk concern of their banks in 2021 (1 indicates the lowest risk concern and 5 indicates the highest risk concern), the credit risk concern score is 2.69, which is significantly higher than other types of risks. Market risk and compliance risk ranked second and third respectively. It is worth noting that the average score of various risks in 2021 is 26.6% lower than that in 2020. Experts said that this was mainly due to the steady development of the banking industry as a whole with the sustained recovery of the economy. Xing Wei said that preventing and resolving risks is the eternal theme of the financial industry. The banking industry should persevere in preventing and resolving financial risks, proactively prevent and deal with the rebound of non-performing assets, and resolutely hold the bottom line of no systemic financial risks. What areas do you value more about the future? The survey shows that bankers are generally optimistic about the development prospect of China's banking industry in the next five years. About 40% of bankers believe that the growth rate of banking operating revenue and net profit will remain at 5% to 10% in the next five years. Nearly 90% of bankers believe that the overall non-performing loan ratio of the banking industry will be less than 2% in the next five years. In the survey of the key points of banking development during the 14th Five Year Plan period, inclusive finance, financial technology and green finance ranked among the top three. In the survey of the types of customers that the banking industry will focus on in the next stage, small and micro enterprise customers (79.9%) are still the types of customers that bankers pay most attention to. Followed by high net worth individual customers and medium-sized enterprise customers. Xing Wei said that at present, China's economic development is facing triple pressures of shrinking demand, supply shock and weakening expectation. The banking industry should increase financing support for key areas and major projects, strengthen support for science and technology finance, increase resource allocation for green finance and Inclusive Finance, and fully support the stabilization of the macro-economic market. (Xinhua News Agency)