美国区域银行因商业房地产市场,特别是办事处的下跌而挣扎。 US regional banks struggle as commercial real estate market, especially offices, declines.

由于商业不动产(CRE)市场,特别是办公房地产的下跌,美国较小的区域银行正面临越来越多的挑战。 US smaller regional banks are facing growing challenges due to the declining commercial real estate (CRE) market, particularly office properties. 根据穆迪的说法,这些银行增加了贷款调整,从2024年上半年的0.1%增加到2021年前九个月的0.32%,这表明困境在增加。 According to Moody's, these banks increased loan modifications from 0.1% in the first half of 2024 to 0.32% in the first nine months of 2021, indicating rising distress. 由于CRE抵押贷款即将到期约5 000亿美元,这种情况更加恶化,可能导致更多的违约和对财产价值的压力。 The situation is exacerbated by the upcoming maturity of about $500 billion in CRE mortgages, likely leading to more defaults and pressure on property values.