万亿广州农商银行:“all in”中小额资产,重构增长新路径

21世纪经济报道
Dec 04, 2025

近年来,大型银行服务半径持续下探,区域性银行网点与资金成本优势不再,客户结构、资产质量承压。叠加净息差长期收窄,商业银行正从“规模增长优先”转向“资产效率提升”。在大行挤压与盈利承压的夹缝中,地方中小金融机构如何找到可持续发展的角色定位?广州农商银行近年来的战略调整值得关注。这家资产规模超万亿的机构,正逐步将资源向“单笔金额更小、客户更分散”的信贷领域倾斜。这种变化并非应对市场格局变化的权宜之计,...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

  1. 1
     
     
     
     
  2. 2
     
     
     
     
  3. 3
     
     
     
     
  4. 4
     
     
     
     
  5. 5
     
     
     
     
  6. 6
     
     
     
     
  7. 7
     
     
     
     
  8. 8
     
     
     
     
  9. 9
     
     
     
     
  10. 10