青岛银行:主动清退互联网合作类消费贷款业务,上半年互联网消费贷款业务规模下降幅度较大

金融一线
Sep 04

  9月4日金融一线消息,青岛银行今日举办2026年半年度业绩说明会。谈及零售信贷,董事长景在伦表示,本行个人消费贷款业务主要构成是互联网消费贷款业务和信用卡业务。互联网消费贷款业务方面,受行业环境等因素影响,整体市场风险有所抬升。为有效落实监管要求,防控信用风险,本行主动清退互联网合作类消费贷款业务,上半年互联网消费贷款业务规模下降幅度较大。信用卡方面,行业整体呈现交易额萎缩、风险压力加大的态势,本行积极贯彻审慎经营理念,主动收紧风险管控政策,逐步缩减授信敞口规模,因此信用卡贷款余额较年初出现合理回落。

  景在伦进一步表示,下一步,在零售信贷的布局上,本行会坚持“质效优先、结构优化”的策略,个人经营贷款方面,本行依托“房抵贷”“商易贷”“惠农贷”等产品,深耕1+N场景金融,强化对小微企业主、个体工商户等客群的精准覆盖,力争保持个人经营贷款的持续提升;在个人消费贷款方面,本行于今年9月新推出自营消费贷产品优易贷,力争提升自营消费贷的增长;在个人住房贷款方面,在房地产市场持续低迷以及需求不足的情况下,本行持续加大对优质楼盘拓展力度,在风险防控的基础上全力稳住房贷基本盘。 总体而言,本行将结合市场环境、监管政策等因素,持续优化业务结构,完善个人贷款产品,在风险可控的前提下稳步推进零售信贷业务的高质量发展。

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