多家银行信用卡不良率上升工商银行飙升至4.61%_老虎社区_美港股上老虎

多家银行信用卡不良率上升工商银行飙升至4.61%

经济参考网04-23

随着上市银行2025年年报陆续披露完毕，信用卡资产质量引发广泛关注，其中工商银行信用卡不良率升至4.61%引发行业关注。　　据此前年报披露，国有六大行中除邮储银行外，其余五大行信用卡不良率全线抬升。截至2025年末，国有六大行中的交通银行、建设银行的信用卡不良率分别为2.68%、2.36%。而招商银行、浦发银行等股份行已将不良率控制在2%以下，工商银行4.61%的数值更是超过行业均值。　　公开资料...

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4.61%","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1.5,"601398":1.5,"01398":1.5,"03143":0.6},"content_text":"随着上市银行2025年年报陆续披露完毕，信用卡资产质量引发广泛关注，其中工商银行信用卡不良率升至4.61%引发行业关注。　　据此前年报披露，国有六大行中除邮储银行外，其余五大行信用卡不良率全线抬升。截至2025年末，国有六大行中的交通银行、建设银行的信用卡不良率分别为2.68%、2.36%。而招商银行、浦发银行等股份行已将不良率控制在2%以下，工商银行4.61%的数值更是超过行业均值。　　公开资料显示，工商银行信用卡不良率已连续三年快速上行，2023年至2025年分别为2.45%、3.50%和4.61%，三年累计涨幅达2.16个百分点。与此同时，业务规模也在全面收缩：2025年末信用卡透支余额6975.35亿元，较2024年的7753.64亿元减少约780亿元，降幅超10%；发卡量降至1.45亿张，消费额1.83万亿元，同比双双下滑。　　业内人士分析，早年间，为抢占市场，各大银行纷纷降低了信用卡的准入门槛。部分基层分行、支行为了完成任务指标甚至大量向学生群体、老年群体发卡。近年来，随着监管趋严，叠加宏观经济下滑、互联网支付冲击等因素，信用卡用户还款能力和使用意愿均大幅下降。　　这也导致信用卡数量出现下滑。中国人民银行发布的《2025年支付体系运行总体情况》显示，截至2025年末，全国信用卡和借贷合一卡数量为6.96亿张，较2024年末，该数量减少3100万张，较历史高点减少1.11亿张。　　在此趋势下，很多银行选择主动收缩。近期，多家银行信用卡中心宣布停止发行部分信用卡产品，主要包括联名信用卡、主题信用卡等：4月2日，中国民生银行信用卡中心宣布民生多点联名信用卡、民生高德乘风联名信用卡等11款信用卡产品已停止发行；3月31日，中国农业银行信用卡中心宣布将从5月15日起停发银联和万事达品牌的大学生青春卡。　　当前，各大银行考核普遍释放出从“重规模”转向“重质量”的信号：收紧授信、清理低效卡、批量转让不良资产。业内人士认为，未来一段时间信用卡行业将长期处于“存量精耕”阶段，风控能力、客群质量、数字化运营，都将成为各家银行的核心竞争力。对工商银行而言，如何在收缩规模的同时遏制不良率攀升、修复资产质量，将是其零售业务转型的关键考验。（文章来源：经济参考网）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"hasMoreComments":false,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"isCrawlerRequest":true}