柬埔寨银行业面临信心考验，存贷比改善至95%
分类金融
事件时间2026年
地点柬埔寨
来源柬埔寨投资评估
发布时间2026/04/21 13:00
详情描述
2026年，柬埔寨银行业协会表示，当前行业正面临一场信心考验。该协会指出，市场中存在的谣言和谨慎情绪对行业信任度造成了影响，但强调这并非系统性危机。
在流动性方面，银行业存贷比已改善至95%，这是五年来的首次。目前存款总额已超过贷款总额，为银行提供了更稳健的资金基础。
尽管行业整体保持良好资本充足率，并得到国家银行改革措施的支持，但仍面临不良贷款增加及信贷增长放缓的现实挑战。
📋 简要摘要 ▸
柬埔寨银行业协会指出，当前行业面临的是由谣言引发的信心挑战，而非系统性危机。目前行业存贷比改善至95%，存款超过贷款，流动性基础稳健。尽管面临不良贷款和信贷增长放缓的挑战，但在国家银行改革支持下，银行资本充足率保持良好。
📋 完整原文 ▸
**Exclusive: Cambodia’s Banking Sector Faces a Confidence Test, Not a Crisis, as Sector Loan-To-Deposit Ratio Improves to 95% For First Time in Five Years
Key Points:**
**🏦 Confidence Test:** ABC spoke with **__Cambodia Investment Review__** and said Cambodia’s banking sector is facing a trust challenge in 2026, shaped by rumours and cautious sentiment, rather than a systemic crisis
**💰 Strong Liquidity Position: **Loan-to-deposit ratio improved to 95%, with deposits now exceeding loans, giving banks a healthier funding base
**📈 Positive But Realistic Outlook**: Bad loans and slower credit growth remain challenges, though banks stay well-capitalised, liquid and supported by NBC reforms
https://cambodiainvestmentreview.com/2026/04/21/exclusive-cambodias-banking-sector-faces-a-confidence-test-not-a-crisis-as-sector-loan-to-deposit-ratio-improves-to-95-for-first-time-in-five-years/