银行零售信贷“缩表”,调整期持续?

券商中国
Oct 08, 2025

近期,部分股份行将信用卡透支利率降低至“0”,打破0.05%的透支利率标准,以期以价换量。信用卡贷款余额是零售板块个人客户活跃度的重要指标,上述措施的调整,是银行在零售“寒季”争夺存量客户的举措。从财报数据看,今年多家上市银行的信用卡贷款余额负增态势进一步扩大。除了信用卡贷款余额外,近两年,消费贷、按揭贷、经营贷等银行零售板块的贷款投放出现了增量下降、风险上升的趋势。零售信贷持续“缩表”近两年,...

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