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多間內銀淨息差跌破1.8%警戒線
《證券日報》報道,多間內銀淨息差低於1.8%警戒線,業界預計首季部分商業銀行淨息差指標可能會持續下行,但全年有望保持穩定。 截至4月24日止已有25間上市銀行披露去年年報,當中有7間上市銀行淨息差低於1.8%的警戒線。據銀保監會披露,去年底商業銀行整體淨息差為1.91%,按年下降17個點子,這亦是自2010年以來淨息差首次跌破2%,主要受貸款重定價、支援實體經濟以及企業信貸需求持續走弱等多種因素影響。 中國郵儲銀行研究員婁鵬飛表示,考慮到去年LPR下調,住房按揭貸款等長期貸款集中在今年初下調利率,預計首季銀行業淨息差面臨下行的可能性更大。 不過,上海金融與發展實驗室主任曾剛相信全年銀行業淨息差將會企穩、甚至有可能略為回升,因目前貸款需求正在反彈回升、貸款利率下行有企穩跡象,以及存款利率繼續下跌的空間不大。
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