银行零售业务承压的趋势仍在持续。 受宏观经济形势调整、居民收入变化、净息差收窄等影响,银行零售业务下从前年的一个迹象,到去年已体现在财务指标上的压力。 21世纪经济报道记者统计发现,截至4月1日,在2024年年报披露了零售利润的6家国有银行和7家股份制银行中,零售利润总额增速全体告负。同时,多家银行的零售贷款投放出现负增长,个人贷款不良率持续上升也成为行业性难题。 二十年前,一句“不做零售...
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