在2024年的金融行业图景中, 威海 银行 作为山东省重点扶持的地方性城商行,凭借区域深耕优势和股东资源的支持,实现了资产规模的稳步扩张。然而,这份看似稳健的经营成绩单背后,却隐藏着多重结构性矛盾与潜在风险。从财务数据到业务结构,从风险管控到战略转型,威海银行正面临净息差收窄、行业集中度风险、关联交易透明度不足等多重挑战。这些短板不仅制约其盈利能力的可持续性,更可能成为未来发展的重大障碍。2024...
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