近 8000 万罚单 + 260 亿不良出清!民生银行 2026 年 “控增量” 成关键战

财富独角兽
Jan 07

文|小方来源|财富独角兽累计近8000万元的监管处罚,超260亿元的不良贷款批量转让,前者对应监管处罚的现实支出,后者对应零售资产质量的风险化解。但放眼当下,并非是对过去的清理,而在于能否赢得现在。清退存量只是战术动作,遏制新增风险才是战略关键。整个银行业信用卡已进入存量时代,卡量收缩等种种变化无不预示着一场从“规模扩张”到“质量防御”的深刻转型。因此,对民生银行来说,接下来要向市场证明的,不是“...

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