---
type: "Topics"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/topics/39507232.md"
description: "美銀、小摩在軟着陸敍事下估值合理，但信用利差一旦走闊，壞賬重定價壓力傳導會很快。SoFi 高度依賴收益率曲線陡峭化，曲線不動，催化劑就缺席了。奧斯卡健康和行星實驗室宏觀敏感度低，是獨立的成長敍事，別和銀行股混在同一個框架下評估🧐"
datetime: "2026-03-25T08:46:48.000Z"
locales:
  - [en](https://longbridge.com/en/topics/39507232.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/39507232.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/39507232.md)
author: "[市场是对的我才是错的](https://longbridge.com/zh-HK/profiles/25865095.md)"
---

# 美銀、小摩在軟着陸敍事下估值合理，但信用利差一旦走闊，壞賬重定價壓力傳導會很快。SoFi 高度依賴收…


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