３、净息差是利润下降的主要因素，资产质量无忧；                                                                                                                                                    

        ４、新增贷款逐步回升，货币政策依然宽松。                                                                                                                                                    

        ３、收入结构变化，盈利回归常态；                                                                                                                                                                    

        ４、交易额日均２７１２亿元，创业板加速推进。                                                                                                                                                

        ２、保费收入健康发展投资环境相对宽松；                                                                                                                                                            

        ３、绝对收益看股指，相对收益看利差。                                                                                                                                                        

        ２、上海成交继续萎缩，其他城市总体平稳；                                                                                                                                                            

        ３、基本面向好＋深幅调整＋投资良机；                                                                                                                                                                

        ４、政策不会转向，二线地区大有可为。                                                                                                                                                        

行业	最新机构观点	关注个股
银行	１、新增贷款合理且保持了适度的扩张惯性，贷款结构继续改善；	北京银行、深发展         ２、收入将继续回升，关注攻防兼备品种；                                                                                                                                                         兴业银行、浦发银行
证券	１、市场调整为券商股的买入提供良机；	中信证券、海通证券         ２、交易额的变动是影响净利润的重要因素；                                                                                                                                                        光大证券、国金证券
保险	１、以价补量现成效，投资收益助业绩；	中国平安、中国人寿、中国太保
地产	１、行业运行持续向好，股票估值处在合理范围；	“招保万金”