<p>CNBC 的 <strong>吉姆·克莱默</strong> 在周四宣称，最近不良银行贷款的激增是美联储开始降息的信号，并认为 “信贷骑兵正好及时” 来拯救市场。</p>
<h2><strong>银行的信贷问题将促使美联储降息</strong></h2>
<p>克莱默在 “疯狂金钱” 节目中解释说，这些信贷损失虽然对银行来说是痛苦的，但却是经济放缓的明确迹象，这将促使美联储迅速采取行动。</p>
<p>克莱默表示：“没有什么比信贷损失更能促使美联储加快行动，因为它们是经济走向衰退的明确迹象。”</p>
<p>他指出，<strong>齐昂银行</strong>（NASDAQ:ZION）最近报告的不良贷款，周三晚上宣布因几位借款人不良贷款而遭受了巨额损失。同时，<strong>Western Alliance 银行</strong>（NYSE:WAL）周四声称一位借款人涉嫌欺诈。</p>
<p>克莱默称这些违约为 “蟑螂”，证明更广泛的信贷问题正在出现，这一理论之前由 <strong>摩根大通</strong>（NYSE:JPM）首席执行官 <strong>杰米·戴蒙</strong> 提到。</p>
<p>在 Tricolor Holdings 破产后，戴蒙表示：“当你看到一只蟑螂时，可能还有更多”，这在整个行业引发了警报。</p>
<h2><strong>克莱默相信银行能够控制不良贷款</strong></h2>
<p>他认为，这些不良贷款带来的痛苦将在银行业内部得到很大程度的控制。然而，降息的最终效果将推动 “实体经济” 股票——那些面临困境的服务和工业公司。</p>
<p>克莱默解释说，较低的利率使住房更可负担，商业扩张更容易，股息股票相比债券更具吸引力。他建议，像 <strong>坎贝尔公司</strong>（NASDAQ:CPB）和 <strong>通用磨坊公司</strong>（NYSE:GIS）这样的消费包装商品公司已经显示出在期待这一转变时的触底迹象。</p>
<h2><strong>克莱默警告 ‘赶紧兑现’ 投机股票</strong></h2>
<p>在赞扬实体经济前景的同时，克莱默对投机股票的投资者发出了严厉警告。他敦促那些在量子计算、火箭公司和关键金属等高飞行业中赚取了可观利润的人 “赶紧兑现”，至少卖出部分持股。</p>
<p>他将当前环境与 2021 年的迷因股票狂热进行了比较，警告称内部人士最终会出售，这些抛物线式的涨幅不会持续。“在你兑现之前，你不会在股票中赚钱，” 克莱默总结道。“永远不要将股票与现金混淆。”</p>
<h2><strong>价格走势</strong></h2>
<p>标准普尔 500 指数周四收盘下跌 0.63%，报 6,629.07 点，而纳斯达克 100 指数下跌 0.36%，报 24,657.24 点。另一方面，道琼斯指数下跌 0.65%，报 45,952.24 点。</p>
<p>周五，标准普尔 500、道琼斯和纳斯达克 100 指数的期货交易均下跌。</p>
<ul>
<li><strong>地区银行遭遇自特朗普关税冲击以来的最大跌幅：信贷恐慌是否回归？</strong></li>
</ul>
<p><em><strong>免责声明：</strong> 本内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
<p><em>图片来源于 Shutterstock</em></p>

齐昂银行

Western Alliance银行

<p>吉姆·克莱默预测，由于不良银行贷款的增加，联邦储备将会降息，这表明经济正在放缓。他提到齐昂银行和 Western Alliance 银行最近出现的问题，作为更广泛信贷问题的迹象。克莱默认为，这些不良贷款的影响将局限于银行业，最终将惠及实体经济股票。他建议投机股票的投资者出售部分持股，警告抛物线股票波动的风险。在这些担忧中，标准普尔 500 指数和其他指数收盘下跌</p>

<p>CNBC’s <strong>Jim Cramer</strong> declared Thursday that a recent spike in bad bank loans is the signal the Federal Reserve needs to begin cutting interest rates, arguing that the “credit cavalry is right on time” to rescue the market.</p>
<div class="lb-trans"><p>CNBC 的 <strong>吉姆·克莱默</strong> 在周四宣称，最近不良银行贷款的激增是美联储开始降息的信号，并认为 “信贷骑兵正好及时” 来拯救市场。</p>
</div><h2><strong>Credit Issues With Banks To Motivate Fed’s Rate Cuts</strong></h2>
<div class="lb-trans"><h2><strong>银行的信贷问题将促使美联储降息</strong></h2>
</div><p>Cramer explained on “Mad Money” that these credit losses, while painful for the banks, are a definitive sign of a slowing economy that will motivate the Fed to act swiftly.</p>
<div class="lb-trans"><p>克莱默在 “疯狂金钱” 节目中解释说，这些信贷损失虽然对银行来说是痛苦的，但却是经济放缓的明确迹象，这将促使美联储迅速采取行动。</p>
</div><p>“Nothing motivates the Fed to move faster than credit losses because they’re a definitive sign that the economy is going south,” Cramer said.</p>
<div class="lb-trans"><p>克莱默表示：“没有什么比信贷损失更能促使美联储加快行动，因为它们是经济走向衰退的明确迹象。”</p>
</div><p>He pointed to recent sour loans reported by <strong>Zions Bancorporation NA</strong> (NASDAQ:ZION), which announced on Wednesday evening that it had incurred a sizable charge due to bad loans to a couple of borrowers. Meanwhile, <strong>Western Alliance Bancorp</strong> (NYSE:WAL) alleged on Thursday that a borrower had committed fraud.</p>
<div class="lb-trans"><p>他指出，<strong>齐昂银行</strong>（NASDAQ:ZION）最近报告的不良贷款，周三晚上宣布因几位借款人不良贷款而遭受了巨额损失。同时，<strong>Western Alliance 银行</strong>（NYSE:WAL）周四声称一位借款人涉嫌欺诈。</p>
</div><p>Cramer called the defaults “cockroaches” that prove a wider credit issue is emerging, a theory previously mentioned by <strong>JPMorgan Chase &amp; Co.</strong> (NYSE:JPM) CEO <strong>Jamie Dimon</strong>.</p>
<div class="lb-trans"><p>克莱默称这些违约为 “蟑螂”，证明更广泛的信贷问题正在出现，这一理论之前由 <strong>摩根大通</strong>（NYSE:JPM）首席执行官 <strong>杰米·戴蒙</strong> 提到。</p>
</div><p>After the bankruptcy of Tricolor Holdings, Dimon said, &#34;When you see one cockroach, there’s probably more,&#34; raising red flags across the sector.</p>
<div class="lb-trans"><p>在 Tricolor Holdings 破产后，戴蒙表示：“当你看到一只蟑螂时，可能还有更多”，这在整个行业引发了警报。</p>
</div><h2><strong>Cramer Believes Banks Can Contain The Bad Loans</strong></h2>
<div class="lb-trans"><h2><strong>克莱默相信银行能够控制不良贷款</strong></h2>
</div><p>He argued that the pain from these bad loans will be largely contained within the banking sector. The ultimate effect of lower interest rates, however, will boost the “real economy” stocks—the service and industrial companies that have struggled.</p>
<div class="lb-trans"><p>他认为，这些不良贷款带来的痛苦将在银行业内部得到很大程度的控制。然而，降息的最终效果将推动 “实体经济” 股票——那些面临困境的服务和工业公司。</p>
</div><p>Cramer explained, lower rates make housing more affordable, business expansion easier, and dividend stocks more attractive compared to bonds. He suggested that consumer-packaged goods companies like <strong>Campbell’s Co.</strong>(NASDAQ:CPB) and <strong>General Mills Inc.</strong>(NYSE:GIS) are already showing signs of bottoming out in anticipation of this shift.</p>
<div class="lb-trans"><p>克莱默解释说，较低的利率使住房更可负担，商业扩张更容易，股息股票相比债券更具吸引力。他建议，像 <strong>坎贝尔公司</strong>（NASDAQ:CPB）和 <strong>通用磨坊公司</strong>（NYSE:GIS）这样的消费包装商品公司已经显示出在期待这一转变时的触底迹象。</p>
</div><h2><strong>Cramer Warns ‘Ring the Darn Register’ On Speculative Stocks</strong></h2>
<div class="lb-trans"><h2><strong>克莱默警告 ‘赶紧兑现’ 投机股票</strong></h2>
</div><p>While championing the prospects for the real economy, Cramer issued a stark warning to investors in speculative stocks. He urged those who have made significant money in high-flying sectors like quantum computing, rocket companies, and critical metals to “ring the darn register” and sell at least part of their holdings.</p>
<div class="lb-trans"><p>在赞扬实体经济前景的同时，克莱默对投机股票的投资者发出了严厉警告。他敦促那些在量子计算、火箭公司和关键金属等高飞行业中赚取了可观利润的人 “赶紧兑现”，至少卖出部分持股。</p>
</div><p>Comparing the current environment to the 2021 meme stock mania, he cautioned that insiders will eventually sell, and these parabolic moves will not last. “You don’t make money in a stock until you ring the register,” Cramer concluded. “Never confuse stocks with cash.”</p>
<div class="lb-trans"><p>他将当前环境与 2021 年的迷因股票狂热进行了比较，警告称内部人士最终会出售，这些抛物线式的涨幅不会持续。“在你兑现之前，你不会在股票中赚钱，” 克莱默总结道。“永远不要将股票与现金混淆。”</p>
</div><h2><strong>Price Action</strong></h2>
<div class="lb-trans"><h2><strong>价格走势</strong></h2>
</div><p>The S&amp;P 500 index ended 0.63% lower at 6,629.07 on Thursday, whereas the Nasdaq 100 index dipped 0.36% to 24,657.24. On the other hand, Dow Jones fell 0.65% to 45,952.24.</p>
<div class="lb-trans"><p>标准普尔 500 指数周四收盘下跌 0.63%，报 6,629.07 点，而纳斯达克 100 指数下跌 0.36%，报 24,657.24 点。另一方面，道琼斯指数下跌 0.65%，报 45,952.24 点。</p>
</div><p>On Friday, the futures of the S&amp;P 500, Dow Jones, and Nasdaq 100 indices were trading lower.</p>
<div class="lb-trans"><p>周五，标准普尔 500、道琼斯和纳斯达克 100 指数的期货交易均下跌。</p>
</div><ul>
<li><strong>Regional Banks Suffer Worst Drop Since Trump’s Tariff Shock: Are Credit Fears Back?</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>地区银行遭遇自特朗普关税冲击以来的最大跌幅：信贷恐慌是否回归？</strong></li>
</ul>
</div><p><em><strong>Disclaimer:</strong> This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.</em></p>
<div class="lb-trans"><p><em><strong>免责声明：</strong> 本内容部分由 AI 工具生成，并由 Benzinga 编辑审核和发布。</em></p>
</div><p><em>Image via Shutterstock</em></p>
<div class="lb-trans"><p><em>图片来源于 Shutterstock</em></p>
</div>

Jim Cramer Predicts Fed Rate Cuts As Regional Banks Stumble: 'Credit Cavalry Is Right On Time'

- Cramer 认为坏贷款激增将促使美联储降息。  
- 他指出，银行的信用损失是经济放缓的明确信号。  
- Cramer 警告投资者应及时卖出投机性股票。

Jim Cramer 预测美联储将降息，因为地区性银行出现问题：‘信贷骑兵正好及时’