新华网北京8月3日 电（记者 吴雨、卫敏丽）中国建设银行(601939,股吧)董事长王洪章3日表示，经济下行压力增大，银行经营多方承压。在不少企业利润普遍不太乐观，银行风险加剧之时，建行等大型商业银行更应该加大扶植力度，和实体经济抱团群暖。

Xinhuanet Beijing August 3 electricity（Reporter WuYu、WeiMinLi）China construction bank(601939,Shares it)The chairman WangHongZhang 3, said，Economy downward pressure increased，The bank management more confined。In many corporate profits are generally not too optimistic，Bank risk of increased，The construction bank and other large commercial Banks should increase more supporting power，And the real economy BaoTuan group of warming。

银行承压明显信贷活力不足 Bank credit energy shortage confined obvious

　　“今年以来，经济下行压力增大，银行业绩势必会受到影响。”王洪章在中央国家机关工委“中央媒体走进建行”的座谈会上表示，“去年经济工作会议就已预见今年经济下行趋势，而我们从会议上得到更为深刻的理解是，银行更需要加大力度扶植实体经济，与其共渡难关。”

“Since this year，Economy downward pressure increased，Bank performance will be affected。”WangHongZhang state organs at the central committee“The central media went into the construction bank”Forum said，“Economic working conference last year it has foreseen this year economic trend downward，And we get from meeting more profound understanding is，Banks need to intensify efforts to foster more economy，Spend with difficulties。”

　　季报显示，一季度建行实现净利润516.09亿元，同比增长9.26%，下滑至个位。王洪章坦言，当前经济环境不太理想，若希望银行恢复到几年前20%以上的利润增幅，已不太可能了。

Quarterly reports show，The construction bank net profit of 51.609 billion yuan in the first quarter，Year-on-year growth of 9.26%，Fell to bits。WangHongZhang said，The current economic environment is not very good，If hope bank returned to a few years ago more than 20% of the profit growth，Already unlikely。

　　经济环境不理想、信贷需求萎缩、利率市场化大举推进、监管新规实施在即……这些近在眼前的压力，不光困扰着建行，也是其他商业银行面临的难题。

The economic environment is not ideal、Credit demand shrinking、Interest rate marketization aggressively promoting、The new rules in implementing supervision......These immediate pressure，Not only with the construction bank，And other commercial Banks are facing problems。

　　“要想经济回暖，必须加大对于实体经济的信贷支持。”王洪章表示，一季度建行新增贷款3300多亿元，同比增长0.5%。

“To economic thaw，Must increase the credit support for economic entity。”WangHongZhang said，The construction bank new loans in the first quarter is more than 3300 yuan，Year-on-year growth of 0.5%。

　　其实，一季度的信贷增量与同期差距不大，但为什么市场并未感到大量资金注入？对此，王洪章认为，目前经济环境下，市场活力不足，投资欲望不强，使得货币乘数降低，流动性不旺。同样是3000多亿元的新增贷款，在经济领域的表现差距较大。

In fact，The quarter of credit incremental and gaps in the same period，But why did not feel a lot of money into the market？this，WangHongZhang think，The current economic environment，Market energy shortage，Investment desire is not strong，Make money multiplier reduced，Excess liquidity。The same is more than 3000 yuan of new loans，In the economic field performance gap is bigger。

　　不过，王洪章对下半年银行业整体业绩较为乐观。他表示，如果延续抱团过冬的理念，随着下半年经济逐步向好，整个银行业将不会出现业绩“难看”的局面。

but，In the second half WangHongZhang banking overall performance more optimistic。He said，If continued to BaoTuan the concept of winter，With the economy has undermined the second half，The whole banking will not appear performance“ugly”situation。

直面质疑和监管中间业务扎实成长 Face to face with questioned and regulatory middle business solid growth

　　在座谈会上，王洪章再次直面中间业务收费问题，“银行不能忌讳人家质疑你暴利问题，绝不能因为怕挨骂就不改革、不发展，而是应该积极转变盈利模式，提升服务水平，做到无可挑剔。”

At a forum on，WangHongZhang once again charged for middle business，“The bank can't taboo people question your profits，Cannot because afraid of being scolded will not reform、No development，But should actively changed the profit model，Enhance service level，Do impeccable。”

　　王洪章的感慨发源于中间业务自质疑以来确有下滑。季报显示，一季度建行手续费及佣金净收入较上年同期增长4.96%。这与2011年底中间业务超30%的增速相比，大幅减少。

WangHongZhang feeling originated in the middle business since the question is falling。Quarterly reports show，The construction bank charges and commissions quarter net income up 4.96% year on year。This and the end of 2011 the rate of growth of over 30% among business compared，Sharply reduce the。

　　王洪章表示，去年，社会对于银行暴利的质疑声音较大，监管部门也增大了检查力度。一些基层行发展中间业务的积极性有所降低，中间业务收入随之大幅下降。不过，建行正在积极应对中间业务下滑问题。

WangHongZhang said，Last year，Bank profits for the social question larger voice，Regulators also increase the inspection。Some basic line the enthusiasm of the development of the intermediate services reduced，Middle business income then drop significantly。but，The construction bank is to actively respond to the middle business slowdown。

　　“没提供服务就收费确实不应该，但既然服务有欠缺，为什么不积极应对、以此为契机将中间服务扎扎实实做起来？”王洪章说。

“Didn't provide service charges really should not，But now that service have defects，Why not actively respond、Regard this as the opportunity will be solidly middle service it？”WangHongZhang said。

　　他认为，目前我国中间业务收入占比约为20%，但国外普遍都在40%至50%，发展空间大有可为，因此建行绝不能动摇发展中间业务的决心。

He thinks，At present our country middle business income accounts for more than about 20%，But foreign common 40% to 50%，Development space bright prospects，So the construction bank can never be moved among development business determination。

利率市场化倒逼银行服务留人 Interest rate marketization DaoBi bank service worker

　　今年以来，央行频繁利用货币工具进行调控，特别是，扩大了利率浮动范围和实行非称降息，使得利率市场化近在咫尺，银行业下半年竞争的激励程度不言而喻。

Since this year，The central bank frequently use monetary tools for regulation，especially，Expanding the scope of the interest rate floats and said to cut interest rates，Make market-oriented interest rate near at hand，The second half of the banking competition incentive degree is self-evident。

　　“靠吃利差只能让银行的发展道路越走越窄。”王洪章说，应对利率市场化的调整，建行只有提高服务品质和自身定价能力，才能在夹缝中求得发展。

“Eat carry only can let the bank's development road more walk more narrow。”WangHongZhang said，Deal with interest rate marketization of adjustment，The construction bank only to improve the service quality and its own pricing power，To seek development squeezed。

　　目前国有商业银行在小微企业、三农企业、个人贷款等业务方面具有较强的定价能力，而且信贷扶植这些领域也符合国家政策要求。

At present state-owned commercial Banks in the small micro enterprises、Agriculture, rural areas and farmers enterprise、Personal loans, and other business has strong pricing power，And these areas up credit accord with national policy requirements。

　　王洪章指出，虽然小微企业贷款不良率略高于平均不良率，但其真正损失却比中、大型企业少得多。下一步，建行打算在10000多个网点推开小企业信贷职能，巩固客户基础。近3年，建行已建成近240家小企业经营中心，小企业贷款年均增长近40%。

WangHongZhang points out that，Although small micro enterprise loan defective rate slightly above the average scrap rate，But the real loss is better than、Large enterprise much less。The next step，The construction bank going to more than 10000 outlets in small business credit pushed the function，Consolidate customer base。Nearly 3 years，The construction bank has built nearly 240 small business center，Small business loans with an average annual growth rate of close to 40%。

　　此外，为了增强竞争力，建行还加大了零售业务转型力度。目前该行13000多个网点已完成两次转型，劳动效率提高1倍以上。正在进行第三次转型的建行，一方面广布网点，计划三年内再增设2000个网点，其中今年增加800个；另一方面进一步扩大柜面服务范围，分流客户，缩短客户等待时间。

In addition，In order to enhance competitiveness，The construction bank also increased the retail business transformation dynamics。At present the bank more than 13000 outlets has completed two transformation，Labor efficiency improving 1 times above。Is the third time the construction bank of the transition，On the one hand species in the network，Plan to add three years 2000 points，More this year of 800；On the other hand, further expand the scope of service counter，Shunt customers，Shorten customers waiting time。

　　根据第三方服务质量调查结果显示，目前建行个人客户满意度为71%，比过去上升13.4个百分点。

According to the third party service quality according to the results of the survey，At present the construction bank individual customer satisfaction was 71%，Rising 13.4% than in the past。

　　细节成就成败。在王洪章眼中，有助于增加客户私密性的挡板，甚至是客户等待区的位置都是提升服务质量要考虑的细节。

Details the success or failure of the achievements。In WangHongZhang eyes，Help to increase customer of illicit close sex baffle，Even the customer waiting for the position of all is to enhance the quality of service to consider the details。

　　“71%的满意度和同业比还可以，但我们觉得，如果有一名客户不满意，就是建行服务100%不到位，还有提升的空间。”王洪章说。

“71% of satisfaction and trade than can also，But we think，If there is a customers don't satisfied，The construction bank service is 100% is not in place，And the space of ascension。”WangHongZhang said。