美国银行预计2026年商业贷款会增加,原因是利率降低,公司投资增加,特别是针对以AI为重点的公司,而小企业和汽车贷款需求仍然疲软。 U.S. banks expect stronger business lending in 2026 due to lower rates and higher corporate investment, especially for AI-focused firms, while small business and auto loan demand remains weak.

美国银行预计2026年商业贷款需求会更强劲,其驱动因素是预期利率降低和公司投资增加,大中型公司的需求是2022年中期以来最高的。 U.S. banks expect stronger business loan demand in 2026, driven by anticipated lower interest rates and increased corporate investment, with large and mid-sized firms showing the highest demand since mid-2022. 小企业贷款需求在下降四分之三后仍保持平稳。 Small business loan demand remained flat after three quarters of decline. 2025年底,银行收紧了贷款标准,但预计2026年不会进一步收紧。 Banks tightened lending standards in late 2025 but do not foresee further tightening in 2026. 它们更愿意向接触大量人工智能的公司提供贷款。 They are more willing to lend to firms with significant AI exposure. 家庭贷款需求疲软,特别是汽车贷款需求疲软,自2024年初以来,汽车贷款创下低点。 Household loan demand weakened, especially for auto loans, which hit a low since early 2024. 银行预计小企业和汽车贷款的差额会增加,而大型公司贷款质量预计保持稳定。 Banks anticipate higher delinquencies for small business and auto loans, while large firm loan quality is expected to remain stable. 美联储将基准利率稳定在3.50%-3.75%,以持续通货膨胀和强劲的劳动力市场为由,利用调查为决定提供信息。 The Fed held its benchmark rate steady at 3.50%-3.75%, citing persistent inflation and a strong labor market, using the survey to inform its decision.