8月25日金融一线消息，重庆银行召开2026年半年度业绩说明会。谈及零售资产质量，公司银行部总经理王翔指出，重庆银行零售资产质量目前与主要上市银行趋势一致，受到前期个人消费需求不足、预期偏弱等因素影响。
王翔介绍，该行主要措施包括：一是建立资产质量管控专项小组，强化一二三道防线联动，共同筑牢风控防线。二是持续优化资产结构。通过迭代模型、优化风控策略等方式，提升产品形象。三是持续加强处置力度，“一类一策”滚动处置。
王翔表示，后续，重庆银行将持续“广覆盖+深经营”打牢客群基础，顺应居民消费升级的多样化融资需求，强化数字风控和风险表现前瞻预测，通过精准客户画像，风险预警敏捷处置等方式，提升消费信贷集约化、标准化、智能化经营水平。
“随着国家支持消费金融和普惠金融等相关政策的效果逐步显现，消费信心和消费需求的进一步改善，我行零售贷款资产质量有望得到持续改善。”王翔说道。
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