五家股份行一季度个贷增速均不及全行贷款，信用卡和消费贷是拖累项

券商中国2025-05-08

披露了个人贷款项目数据的上市股份行一季报里，个贷同比增速均低于各项贷款增速，成了一个很难忽略的共性。多家曾经高举零售大旗的股份行，一季度个贷余额不增反降。即便实现正增长，增幅也很有限。进一步拆解财报，消费贷和信用卡等业务还未成规模回暖，成了个贷的主要拖累项。个贷增长吃力，甚至下降在一季报里详述个贷科目的上市股份行不多，比如浦发、华夏、光大、浙商等银行均未披露。在有据可查的招行、中信、平安、兴业、...

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href=https://finance.sina.com.cn/stock/relnews/cn/2025-05-08/doc-inevwchw0095233.shtml><strong>券商中国</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>披露了个人贷款项目数据的上市股份行一季报里，个贷同比增速均低于各项贷款增速，成了一个很难忽略的共性。多家曾经高举零售大旗的股份行，一季度个贷余额不增反降。即便实现正增长，增幅也很有限。进一步拆解财报，消费贷和信用卡等业务还未成规模回暖，成了个贷的主要拖累项。个贷增长吃力，甚至下降在一季报里详述个贷科目的上市股份行不多，比如浦发、华夏、光大、浙商等银行均未披露。在有据可查的招行、中信、平安、兴业、...</p>\n\n<a href=\"https://finance.sina.com.cn/stock/relnews/cn/2025-05-08/doc-inevwchw0095233.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0469268626.HKD","symbol_name":"AB FCP I-ASIA EX JAPAN EQUITY 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down","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03968":0.9,"03143":0.6},"content_text":"披露了个人贷款项目数据的上市股份行一季报里，个贷同比增速均低于各项贷款增速，成了一个很难忽略的共性。多家曾经高举零售大旗的股份行，一季度个贷余额不增反降。即便实现正增长，增幅也很有限。进一步拆解财报，消费贷和信用卡等业务还未成规模回暖，成了个贷的主要拖累项。个贷增长吃力，甚至下降在一季报里详述个贷科目的上市股份行不多，比如浦发、华夏、光大、浙商等银行均未披露。在有据可查的招行、中信、平安、兴业、民生等银行一季报里，一个集体特征浮出水面——个人贷款余额同比增速均低于同期全行贷款增速。什么意思？这些银行个贷“投不动了”，贷款整体的增长主要是靠对公拉动的。先来看招行。截至一季度末，招行零售贷款为36585.78亿元，较上年末增加139.53亿元，增幅仅为0.38%。而同期，招行全行的贷款和垫款总额为71254.79亿元，较上年末增长3.44%。招行的说法是，一季度居民消费仍在逐步复苏，所以该行持稳健“审慎”原则，推动零售贷款平稳运行。再来看中信银行，截至一季度末，其个人贷款(不含信用卡)余额18831.53亿元，较上年末增加97.59亿元，增长0.52%。而同期，中信银行全行贷款及垫款总额为58660.27亿元，较上年末增加1458.99亿元，增长2.55%。招行个贷一季度增0.38%，中信增0.52%——这已经是有据可查的股份行里，零售贷款增最优的两家上市银行了。除了招行和中信外，平安、兴业、民生三家股份行的个贷不增反降。截至一季度末，平安银行的个人贷款余额为17290.46亿元，较上年末下降2.2%。同期，平安银行发放贷款和垫款本金总额34117.13亿元，较上年末增长1.1%；企业贷款余额较上年末增长4.7%。个贷疲软对平安银行业绩造成了一定程度的压力：平安银行实现营业收入337.09亿元，同比下降13.1%；实现净利润140.96亿元，同比下降5.6%。兴业银行的个人贷款由2024年末的19911亿元，下降至一季度末的19651亿元，降幅为1.31%。同期兴业银行的全行贷款余额为58153.87亿元，较上年末增长1.37%；其中对公贷款增幅为4.48%。民生银行的个人贷款由2024年末的17705.6亿元，下降至一季度末的17667.6亿元，降幅为0.21%。同期，民生银行全行贷款增幅为1.57%，其中对公贷款增幅为2.75%。消费贷和信用卡都不太好干各家银行在一季报里披露的数据不够详实。在有限的个贷结构数据维度里，我们可以合理推测，表现较为疲弱的消费贷和信用卡是相关银行个贷不及全行贷款表现的拖累项。首先来看消费贷：拆解招行和平安银行个人贷款结构，招行消费信贷业务由去年末的1.343万亿，下降至1.337万亿；平安银行消费性贷款余额4593.15亿元，较上年末下降3.2%。实际上，整个行业的消费贷数据可能都不太好看。券商中国记者查阅央行金融机构本外币信贷收支表，发现在2月末跌破10万亿元的居民短期消费贷款(98653.77亿元)，3月份重新站上了10万亿元，于3月末达到100003.9亿元。但相较去年末的101962.68亿元，今年一季度，我国居民短期消费贷款减少了约1959亿元。相较2024年3月末同一口径下的100898.68亿元，我国居民短期消费贷款近一年减少了约895亿元。也就是说，到目前为止，我国居民似乎还是在一个卸消费贷杠杆的进程里，因此消费贷并没有像此前一样快速扩张。而另外一个可能的拖累项，是尚未大规模回暖的信用卡业务。一季报显示，招行信用卡贷款余额由上年末的9477.09亿元下降至9166.09亿元；中信信用卡一季度贷款余额4632.44亿元，较上年末减少254.72亿元，下降5.21%；平安银行信用卡一季度末应收账款余额4006.38亿元，较上年末下降7.9%。其实，这一趋势也是符合当下宏观环境的。央行此前发布的《2024年支付体系运行总体情况》数据显示，截至2024年末，信用卡和借贷合一卡7.27亿张，同比下降5.14%，已连续三年呈下降趋势。对比2022年末的数据(7.98亿张)，信用卡和借贷合一卡两年间消失7000多万张。除去未披露具体数额的机构，截至去年末，至少10家上市行信用卡交易额下滑，更有甚者降幅达到两位数。其中，光大银行信用卡交易金额由前一年的2.37万亿元缩水至1.68万亿元，同比下降约29.25%。此外，华夏银行和中信银行2024年信用卡交易总额分别为8287.17亿元和2.44万亿元，同比下降15.89%和10.13%，业务收入下降3.11%和5.91%。为什么说信用卡业务还没有大面积回暖？因为过去两年，多家银行裁撤信用卡中心、取消信用卡IP联名、缩减信用卡积分权益的案例比比皆是。而从一季报少数被披露的指标来看，信用卡再度回暖尚需时日。\n\n\n\n海量资讯、精准解读，尽在新浪财经APP","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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