孟加拉国的银行危机随着创纪录的违约触发系统性崩溃的警告而加深。 Bangladesh's banking crisis deepens as record defaults trigger warnings of systemic collapse.

孟加拉国面临日益加深的金融危机,银行、非银行机构以及股票市场之间出现创纪录的贷款违约,促使亚洲开发银行将其银行系统贴上亚洲最薄弱的标签。 Bangladesh faces a deepening financial crisis with record loan defaults across banks, non-bank institutions, and the stock market, prompting the Asian Development Bank to label its banking system the weakest in Asia. 商业银行报告,到2025年6月,Tk6 lakh crore在违约中违约,加上Tk3.18 lakh crore在隐性违约中违约,而违约率高达20.2%。 Commercial banks reported Tk6 lakh crore in defaults by June 2025, plus Tk3.18 lakh crore in hidden defaults, while default rates hit 20.2%. 政府计划将五家正在挣扎的伊斯兰银行合并为一个国有实体,即伊斯兰联合银行,并配有20,000坦桑尼亚克罗尔资本注入。 The government plans to merge five struggling Islamic banks into a state-owned entity, United Islami Bank, backed by a Tk20,000 crore capital infusion. 国有银行在低回收率下挣扎,非银行金融机构面临濒临崩溃,其投资组合的83%处于违约状态。 State-owned banks struggle with low recovery rates, and NBFIs face near-collapse, with 83% of their portfolios in default. 股票市场在16年中下降了38%,近100家公司交易额低于面值。 The stock market has declined 38% over 16 years, with nearly 100 companies trading below face value. 新的贷款重新安排计划可能会推迟对风险的识别,引起对资产质量和回收的担忧。 A new loan rescheduling scheme may delay recognition of risks, raising concerns about asset quality and recovery. 批评者警告说,取消“恶毒的违约者”标签并减少监督可能会削弱问责制,而专家们则强调,如果不遏制政治干预和加强司法执法,系统性崩溃仍是一个风险。 Critics warn that removing the “wilful defaulter” label and reducing oversight could weaken accountability, while experts stress that without curbing political interference and strengthening judicial enforcement, systemic collapse remains a risk.