上市银行净息差悬于1.3%,银行传统盈利模式或宣告终结

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Nov 08, 2025

尽管在10月底A股42家上市银行三季报已悉数收官,让人有所期待的同时也揭示了背后可能隐藏的问题。数据显示,行业前三季度合计实现营业收入超4.3万亿元,六大国有行更是创下1.07万亿元的盈利规模。资本市场同步给出积极反馈,险资年内举牌银行股占比达41.9%,外资在人民币升值背景下加速布局,银行板块成为长线资金的配置热点。然而,在这份亮眼成绩单背后,一系列结构性矛盾正悄然凸显。净息差虽显露初步企稳信号...

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