美国银行最新提交美国证监会的文件显示，截至6月末该行信用卡拖欠率录得1.38%，当月信用卡坏账率则达到2.33%。该数据披露突显消费信贷领域风险动态，两项关键指标反映持卡人还款能力变化趋势。
具体来看，拖欠率指标衡量逾期30天以上未偿还的信贷余额占比，而2.33%的冲销率表明银行当月已核销部分无法收回的应收账款。这两项数据为评估消费金融健康度提供了重要参照，尤其在经济波动时期更受市场关注。
作为全美第二大发卡机构，美银信用卡业务表现对金融业具有风向标意义。最新数据较此前季度呈现微幅波动，显示消费者端仍面临一定偿债压力。业内分析师通常将此类数据与失业率及通胀指标交叉比对，以预判未来消费信贷损失拨备规模。
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