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以匹配资产规模扩张速度,2025年一季度资本充足率的持续下滑,已直接影响其业务扩张与风险抵御能力。  如今,盈利结构与行业竞争的双重挑战正加剧着温州银行的转型难度。  Wind数据显示,该行2025年上半年的利息收入占比达92.6%,盈利高度依赖利息收入,在利率市场化推进背景下,净息差收窄压力持续加大。  与此同时,区域内城商行与股份制银行竞争激烈,温州银行在数字化转型、产品创新方面进展缓慢,难以

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