目录
投资建议和估值........................................................................................... 3
息差不断上升.............................................................................................. 20
调控下的贷款增长..................................................................................... 30
资产质量 — 08 年有望达到顶峰............................................................. 37
火爆资本市场的影响................................................................................. 40
多元化经营的开拓..................................................................................... 49
风险正在累积，但仍在可控范围内...................................................... 56
工商银行 (601398.SS/1398.HK)......................................................... 58
建设银行 (601939.SS/0939.HK)......................................................... 72
中国银行 (601988.SS/3988.HK)......................................................... 80
招商银行 (600036.SS/3968.HK)......................................................... 88
交通银行 (601328.SS/3328.HK)......................................................... 98
中信银行 (601998.SS/0998.HK)....................................................... 105
兴业银行 (601166.SS) .......................................................................112
浦发银行 (600000.SS).......................................................................118
民生银行 (600016.SS)...................................................................... 124
深发展 (000001.SZ) .......................................................................... 128
宁波银行 (002142.SZ)...................................................................... 133
南京银行 (601009.SS)...................................................................... 143
北京银行 (601169.SS) ...................................................................... 148
附录一、重要历史数据.......................................................................... 153
附录二、部分预测数据.......................................................................... 155
研究报告中所提及的有关上市公司.................................................... 157
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