来源：柒财经今年二季度，招商银行行长王良在该行年度股东大会掷地有声：王良指出，2025年一季度是一个重要拐点，银行净息差水平（1.43%）首次低于不良贷款率（1.51%），出现“倒挂”现象。他进一步强调，银行的净息差应覆盖三项成本：信用成本、运营成本和资本成本。一旦出现倒挂，意味着净息差可能难以覆盖这三项成本，对银行业构成巨大挑战。一语如石投湖，引发行业热议。事实上，王良的警示并非危言耸听，据柒...
Source Link来源：柒财经今年二季度，招商银行行长王良在该行年度股东大会掷地有声：王良指出，2025年一季度是一个重要拐点，银行净息差水平（1.43%）首次低于不良贷款率（1.51%），出现“倒挂”现象。他进一步强调，银行的净息差应覆盖三项成本：信用成本、运营成本和资本成本。一旦出现倒挂，意味着净息差可能难以覆盖这三项成本，对银行业构成巨大挑战。一语如石投湖，引发行业热议。事实上，王良的警示并非危言耸听，据柒...
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