尽管伊朗地缘冲突持续、市场整体波动加剧，华尔街多家银行本季度数据显示美国居民消费展现出强劲韧性，缓解了外界对于美国经济基本面走弱的顾虑。

　　美国银行首席执行官布莱恩・莫伊尼汉指出，民众仍愿意消费、借贷与投资理财，该行个人消费业务因此下调信贷损失拨备计提规模。美国银行本期计提14亿美元信贷损失拨备，同比下降10%；同时净坏账核销额小幅回落至14亿美元。

　　富国银行此前受2万亿美元资产规模上限约束，去年该限制取消后开启业务扩张，因此上调信用卡与汽车贷款风险准备金，信贷损失拨备随之增加。

　　即便如此，富国银行首席执行官查理・沙夫表示：“整体消费支出有所抬升，坏账核销与逾期率同步下行，各客群的居民储蓄与理财投资规模均稳步增长。”

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责任编辑：陈钰嘉

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