2023年银行个贷规模爆发，不良率分化严重，建行邮储增长显著

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快讯正文2023年银行业个人经营贷款规模爆发，不良率呈现两极分化去年，大型银行在扩大个人经营贷款规模的同时，维持了较低的不良贷款率。与此同时，部分小型银行的个人经营贷款不良率却高企，成为了拖累因素。市场上的个人经营贷款主要分为两类：有抵押物的贷款利率约为3%，最高贷款额度可达千万；无抵押物、凭信用借款的产品，利率相对较高，额度通常在30-50万元之间。无抵押贷款的风险显著高于有房产抵押的贷款。数据...

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