EPISODE · May 13, 2026 · 8 MIN
存钱的人疯狂多，借钱的人几乎无，银行彻底难了
from 做龚牛-牛论几句，不AI吹
全网扎心真相！2026年一季度居民存款暴增7.68万亿，贷款却仅新增2967亿，存贷比差距夸张到离谱！曾经抢着借钱买房、消费、创业的时代落幕，如今全民偏爱存钱避险。银行揽储越来越容易，放贷却越来越难，只能疯狂降息内卷，核心盈利的净息差不断缩水。抛开行业话术，用大白话讲透银行困境、居民消费心态变化，看懂当下最真实的经济现状。
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存钱的人疯狂多，借钱的人几乎无，银行彻底难了
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