本报告导读:2024 年以来消费贷增速有所放缓,其中国有大行积极响应促消费政策导向,显著加大消费贷投放力度,此外消金公司仍维持较快规模增长。当前银行信用消费贷利率普遍回升至 3%监管红线以上,而受助贷新规影响,网贷利率红线约束至 24%以下。投资要点:量:消费贷增 速放缓,国有大行投放力度较大。截至 25Q3 末,不含个人住房贷款的消费类贷余额为21.29 万亿元(含信用卡),同比增长4.2%,...
Source Link本报告导读:2024 年以来消费贷增速有所放缓,其中国有大行积极响应促消费政策导向,显著加大消费贷投放力度,此外消金公司仍维持较快规模增长。当前银行信用消费贷利率普遍回升至 3%监管红线以上,而受助贷新规影响,网贷利率红线约束至 24%以下。投资要点:量:消费贷增 速放缓,国有大行投放力度较大。截至 25Q3 末,不含个人住房贷款的消费类贷余额为21.29 万亿元(含信用卡),同比增长4.2%,...
Source LinkDisclaimer: 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.