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经济学人智库(EIU):2026年全球金融服务业展望报告:风险上升与监管变革(英文版)(17页).pdf

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1、1 The Economist Intelligence Unit Limited 2025December 2025Financial services outlook 2026Rising risks and regulationsOur solutionsCountry AnalysisUnderstand the political,policy and economic outlook.Our Country Analysis service looks at the global dynamics that affect your organisation,enabling you

2、 to operate effectively and plan for the future.Financial RiskGain unparalleled insights into the global financiallandscape.Combining EIUs market-leading data and country expertise,our rigorous risk-modelling framework enables you to accurately identify risks to fiscal sustainabilit,currency and the

3、 banking sector.Operational RiskPlan effectively with EIUs expert analysis and data.From detailed country risk assessments to customisable risk matrices,our service provides you with the tools needed to confide tly anticipate and mitigate risks to your operations.Speaker BureauStrengthen your strate

4、gy and executive knowledge.Book EIUs experts for virtual or in-person events,training sessions,or decision-making meetings.Our briefings ffer independent insights on political,economic and policy trends affecting your organisation.Intelligence that moves you forwardEconomist Intelligence(EIU)operate

5、s at the intersection of macroeconomics and geopolitics,delivering data-led insights that empower financialinstitutions,corporations and governments to make strategic decisions for the future.Our coverage across 200+markets connects and contextualises global trends and events so that clients are ful

6、ly informed to take action in a rapidly evolving world.3 The Economist Intelligence Unit Limited 20253Contact us for more informationLondon Economist Intelligence The Adelphi 1-11 John Adam Street London WC2N 6HT United KingdomTel:+44(0)20 7576 8000 E-mail:New YorkEconomist Intelligence 900 Third Av

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1. **银行净息收入微增,净息差趋平**:2026年全球主要经济体银行净息收入将上升,但净息差将因低利率环境下贷款扩张而趋平(德、意、法、中国或降10个基点)。 2. **气候风险加剧保险承压**:全球自然灾害 insured losses 2025年达1450亿美元(洛杉矶野火占610亿),2026年或超GDP增速,保护缺口扩大,推动参数保险及公私合作。 3. **美国金融监管放松促整合**:特朗普政府削弱监管能力,延缓“巴塞尔III”实施,美国中小银行并购将增加,欧盟则因监管趋严面临阻力。 4. **区块链连接传统与去中心化金融**:SWIFT转向ISO20022标准将加速银行代币化存款应用,稳定币因高成本和对手方风险难成主流支付工具。 5. **关键监管节点**:2026年7月欧盟MiCA过渡、中国4月强制ESG报告、巴西6月推出Drex数字货币。
银行业2026前景? 保险业气候风险? 金融监管新动向?
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