據報四大內銀早前主動下調存息
據《上證報》報道,內地大型銀行包括工行(01398.HK)、農行(01288.HK)、中行(03988.HK)及建行(00939.HK)於6月15日主動下調了3年期、5年期的大額存單發行利率,由原來的存款基準利率1.5倍調整至1.45倍。另外,於6月15日至17日,四大銀行一共發行了接近8億元人民幣(下同)的3年期和5年期大額存單,利率均不超過存款基準利率的1.45倍。
據報近期內地商業銀行各期限存款利率均有所下行,其中3年期、5年期等中長期限存款利率的下行幅度相對較大,5月按月降幅均超過了5個基點。而一些中小銀行今年以來已經多次主動下調存款利率。例如,江蘇海門農商行已先後兩次下調2年期及以上定期存款利率;甘肅張掖農商行的1年期存款掛牌利率由2.1%下調到了1.95%,相當於1年期存款基準利率的1.3倍。在銀行存款利率下行的同時,貨幣市場基金、銀行理財等市場化定價的類存款產品利率也有明顯下行。
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