Credit quality measures how likely borrowers are to repay. Banks track it with delinquency rates (payments that are late) and provisions (money set aside for loans expected to go bad). It is the slowest-moving, most consequential line for a lender.
信用质量 —— 衡量借款人还款可能性的指标。
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| 2.85% | Wall Street banks face an earnings test after a $270 billion slide 信用质量 —— 衡量借款人还款可能性的指标。 · 第 8 张术语卡 | The US credit-card delinquency rate was 2.85% in the second quarter of 2026, an eighth straight quarterly decline — the single most reassuring number in this earnings season. 为什么说信用是「慢变量」？因为它的恶化往往滞后于利率和就业的变化一年以上：客户先动用储蓄、再刷信用卡、最后才出现逾期。所以银行财报里最值得听的一句话是管理层对「逾期率趋势」的判断，而不是坏账绝对水平 —— 水平低但趋势转差，才是真正的警讯。目前美国信用卡逾期率连续八个季度下降，属于「还没坏」的状态。 |