{
  "id": "npl-case",
  "title": "案例：从公开披露读不良资产",
  "updated_at": "2026-08-21",
  "license": "free-to-read, cite-with-attribution, no-paid-redistribution",
  "html": "https://mydatashelf.com/items/npl-case.html",
  "quote": "信息不足暂缓（对「不良已经出清」）—— 2025年二季度末商业银行不良贷款率1.49%；工商银行2025年末不良率1.31%，不良余额仍较年初增加。",
  "attribution": "MyDataShelf，《案例：从公开披露读不良资产》，https://mydatashelf.com/items/npl-case.html",
  "accessed_at": "2026-08-21",
  "verdict": "信息不足暂缓",
  "sources": [
    {
      "source_url": "https://www.gov.cn/gongbao/content/2023/content_5754542.htm",
      "publisher": "中国银保监会 / 中国人民银行",
      "title": "商业银行金融资产风险分类办法（2023年第1号）",
      "date": "2023-02-11",
      "accessed_at": "2026-08-21",
      "label": "[政策法规]"
    },
    {
      "source_url": "https://www.gov.cn/lianbo/bumen/202508/content_7036764.htm",
      "publisher": "国家金融监督管理总局",
      "title": "2025年二季度银行业保险业主要监管指标数据情况",
      "date": "2025-08",
      "accessed_at": "2026-08-21",
      "label": "[官方统计]"
    },
    {
      "source_url": "http://static.cninfo.com.cn/finalpage/2026-03-28/1225046871.PDF",
      "publisher": "中国工商银行股份有限公司",
      "title": "2025年度报告摘要",
      "date": "2026-03-27",
      "accessed_at": "2026-08-21",
      "label": "[公司披露]"
    }
  ]
}