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據報中國下調存款利率上限保障銀行息差 部分降幅達30至40個基點
《路透社》引述消息人士報道,由中國人民銀行指導成立的市場利率定價自律機制,近日下調了銀行存款利率上限。定期存款利率的降幅普遍高於此前掛牌利率的降幅,部分銀行降幅達30至40個基點,顯示監管層正着力挽救銀行淨息差加速惡化。 報道提及,受消費疲軟、房地產危機持續及美中貿易戰等因素影響,中國經濟面臨壓力,亦對銀行盈利能力構成挑戰。其中一名消息人士指,其所在銀行的一年及兩年期定期存款自律上限均下調30個基點,三年期定存利率上限下調40個基點,下調後的定存利率水平介乎1.4至1.9釐;而該行的一年、兩年、三年期定存掛牌利率降幅爲15至25個基點。 另一名消息人士指,銀行的息差壓力很大,從之前下調存款利率的經驗看,存款利率每下調10個基點,銀行的負債成本下降5個基點左右。 消息人士指,因存款市場競爭激烈,商業銀行給重點客戶的存款利率,一般會「頂格」給到自律上限的水平,但此次存款自律上限大幅調整,給予銀行淨息差喘息空間。
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