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5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
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Topic: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅 (Read 234 times)
Janeterrekg
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5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 28, 2017, 04:52:20 PM
#1
监管部门近日透露,5月底银行理财规模为28.4万亿元,相比4月的30万亿元,净下降了1.6万亿元,为十年来最大的单月降幅。
此外,业内人士表示,就理财的产品结构而言,同业理财也在大幅下降。从两组相呼应的数据可以看出,目前监管部门对同业理财的“紧箍咒”正在显效,同业理财大幅收缩,使得银行理财整体余额规模调头。
十年来最大单月降幅
参照4月份30万亿元的理财余额,5月理财余额的降幅为1.6万亿元。证券时报记者查询月度银行理财余额变动情况后发现,2007年以来,银行理财规模下降幅度超1万亿的仅有2次,一次是2014年6月,下降1.31万亿元,另一次就是今年5月。
对于5月理财余额大幅下降的原因,中央财经大学银行业研究中心主任郭田勇称,可能与监管显效和银行理财新发行规模下降两重因素有关。
前几年,银行理财一直保持快速增长的态势,2016年新增理财规模5.55万亿元,增幅为23.63%;而2015年银行理财增速为56.46%。从今年一季度开始,表外理财纳入央行MPA(宏观审慎评估体系)考核后,理财余额总体增速受到限制。4月中旬以来,银监会检查同业套利,同业理财受到了影响。
主因或为同业理财收缩
华创证券固收分析师吉灵浩表示,“按照2016年理财年报数据,4种类型投资者中——一般个人、机构客户、私人银行、同业理财分别增长了1.82万亿、0.32万亿、0.42万亿和2.99万亿。从数据可以看出,这里面只有同业理财有较大的下降空间,这与目前金融去杠杆、压缩银行同业链条的监管方向是一致的。”
从理财到期情况看,同业理财下降的可能性也较大。记者查询发现,去年下半年的理财增量是2.77万亿,其中,同业理财占比71%。而Wind数据显示,去年下半年新发行的理财产品中,超过80%的期限是在9个月以内的。这表明,去年下半年猛增的同业理财会在今年的一二季度陆续到期。理财大幅下降,或是同业理财到期未续所导致。
值得注意的是,银行理财一般会分流银行存款,理财增加可能导致存款下降,反之亦然。据了解,2014年6月,理财下降了1.31万亿,当月的居民存款大幅增加1.82万亿;今年5月,理财下降了1.6万亿,居民新增存款仅有1249亿,这表明,下降的理财主要是非居民理财。
上海财大银行系教授曹啸对证券时报记者表示,4月以来密集推出的监管新规和检查行动,直接影响到了既存业务,而同业业务是本轮密集监管的重中之重,从而有效治理同业理财业务中出现的资金空转现象。监管部门要求严查各类“空转”行为,例如以理财资金购买理财产品,通过同业存放、卖出回购等方式吸收同业资金、对接投资理财产品、资管计划等放大杠杆、赚取利差的行为。另一方面,资产端收益低、资金端成本高,金融机构都在压缩同业规模。所以,同业理财业务的大量减少,可能是银行理财规模下降而出现相应资金缺口的主要原因。
(原标题 同业理财紧箍咒显效 5月份银行理财骤降1.6万亿)
jeremy1999
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Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 28, 2017, 06:41:56 PM
#2
给的利息少,没人去啊。
Qfox
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等価交換
Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 28, 2017, 06:51:08 PM
#3
美国各大银行轻松的通过压力测试,联储局主席更说有生之年没有金融风暴!
★★★Win Free Bitcoins every hour! - www.freebitco.in ★★★
Invoker_Noob
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Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 29, 2017, 01:31:28 AM
#4
闲钱都进股市,p2p,币圈了。那还会找银行理财呢
jiojio99
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⇾
Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 29, 2017, 08:11:31 AM
#5
收益率太低了
kuogen
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Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 29, 2017, 02:13:39 PM
#6
银行要有所改变啊,现在人投支付宝也不存银行了
huaizha6
Member
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Activity: 61
Merit: 10
Re: 5月份银行理财骤降1.6万亿元,为十年来最大的单月降幅
June 29, 2017, 02:36:56 PM
#7
现在都知道钱放在银行里不安全啊
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