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浙商银行首席风险官潘华枫详解2025年资产质量与风险处置_蜘蛛资讯网

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率下降等影响，对公房地产贷款不良率有所上升。　　零售小贷方面，个人贷款不良率2.45%，比年初上升0.67个百分点，其中个人经营类和消费类不良率分别上升1.08个百分点和1.06个百分点，个人房屋贷款不良率虽有上升但仍保持在0.81%的较低水平。　　对于个人贷款不良率上升的原因，潘华枫分析主要有两方面：一是受宏观经济增速放缓、国内有效需求不足、房价大幅下跌等影响，部分小微企业和个人客户的还款意愿和

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