金吾财讯 | 内银股股价发力，截至发稿，哈尔滨银行(06138)涨4.41%，中原银行(01216)涨1.67%，天津银行(01578)涨1.2%，民生银行(01988)涨1%，中信银行(00998)跟涨。消息面上，中信证券表示，银行业核心经营要素稳健运行，前期一揽子政策落地背景下，板块基本面变量进入稳定期。整体而言，下阶段投资者资金面变化和宏观政策预期差成为影响银行走势的边际变量，我们倾向于指向银行股投资方向乐观。个股方面，推荐两条主线：①低波品种贡献稳健收益空间，高分红、高资本的银行更具配置价值；②增长品种贡献弹性收益空间，商业模型优秀的公司更有估值空间。银河证券表示，一揽子增量政策出台，利好银行短期信贷投放，对息差影响偏中性。地方债务和房地产风险化解力度加大，银行资产质量持续受益。补充国有大行资本，增强信贷投放和风险抵御能力。市值管理强化，银行分红力度加大，经营模式转型加速，为估值修复打开空间。该行继续看好银行配置价值，坚守红利价值和高股息策略，维持推荐评级。
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