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据报四大内银早前主动下调存息
阿思达克 06-18 09:30
据《上证报》报道,内地大型银行包括工行(01398.HK)、农行(01288.HK)、中行(03988.HK)及建行(00939.HK)於6月15日主动下调了3年期、5年期的大额存单发行利率,由原来的存款基准利率1.5倍调整至1.45倍。另外,於6月15日至17日,四大银行一共发行了接近8亿元人民币(下同)的3年期和5年期大额存单,利率均不超过存款基准利率的1.45倍。

据报近期内地商业银行各期限存款利率均有所下行,其中3年期、5年期等中长期限存款利率的下行幅度相对较大,5月按月降幅均超过了5个基点。而一些中小银行今年以来已经多次主动下调存款利率。例如,江苏海门农商行已先後两次下调2年期及以上定期存款利率;甘肃张掖农商行的1年期存款挂牌利率由2.1%下调到了1.95%,相当於1年期存款基准利率的1.3倍。在银行存款利率下行的同时,货币市场基金、银行理财等市场化定价的类存款产品利率也有明显下行。

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