一起向天空许个和平愿吧

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终使其不良率停留在0.96%。　　值得警惕的是，该行次级类贷款的大幅增长，反映其原有的正常类或关注类贷款，逐步转移至不良统计范畴，意味着资产质量存在下行风险。　　而可疑类和损失类贷款的规模降低，或源于该行加速不良核销，并非没有新增不良贷款。　　鉴于此，上海农商行次级类贷款的攀升，可视作资产质量下行的预警信号。若2026年二季度的次级类贷款继续抬升，或将引发“拨备覆盖率下行-信用减值损失增加-净利润

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