泸州 银行 2024年的财报看似亮眼——净利润同比激增28.31%，不良率降至1.19%的历史低位，但这份成绩单背后，却暗藏着中小银行普遍面临的资本陷阱与战略困局。这家西部地级市的上市银行，在区域经济与金融转型的夹缝中，正被资本硬约束、过度依赖信贷扩张的盈利模式以及治理短板推向临界点。当核心一级资本充足率逼近监管红线(8.27%)，非息收入占比停滞不前(3.33%)，泸州银行的“小而美”光环，正...
Source Link泸州 银行 2024年的财报看似亮眼——净利润同比激增28.31%，不良率降至1.19%的历史低位，但这份成绩单背后，却暗藏着中小银行普遍面临的资本陷阱与战略困局。这家西部地级市的上市银行，在区域经济与金融转型的夹缝中，正被资本硬约束、过度依赖信贷扩张的盈利模式以及治理短板推向临界点。当核心一级资本充足率逼近监管红线(8.27%)，非息收入占比停滞不前(3.33%)，泸州银行的“小而美”光环，正...
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