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多家银行上调大额存单利率 一线城市揽储竞争更激烈
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Topic: 多家银行上调大额存单利率 一线城市揽储竞争更激烈 (Read 79 times)
hanley88
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多家银行上调大额存单利率 一线城市揽储竞争更激烈
April 20, 2018, 05:58:39 AM
#1
近日,融360监测的35家大额存单发行银行数据显示,大额存单的利率全部较基准利率上浮30%,而普通定期存款仅有一半较基准上浮30%,前者的优势明显,尤其是期限越长,二者的利率相差越大。
当前,各家银行发售大额存单以及上调其利率的积极性增加。据融360监测,中国银行、农业银行等大行以及部分城商行上调了大额存单利率,最高较基准上浮52%。目前2年期、3年期、5年期大额存单利率分别较普通定期存款利率高51个基点、70个基点和83个基点,较2017年底的大额存单利率分别上调了9个基点、13个基点和14个基点。
在存款利率方面,监测数据显示,目前银行定期存款利率均值为2.30%,较2017年末增加0.9个基点(增长率0.39%),同比增长3.2个基点(增长率1.41%)。融360分析师认为,银行定期存款利率均值近期持续上涨,一方面是由于美联储加息、公开市场操作等因素导致利率水平抬升,另一方面是金融开放等政策刺激作用。
在融360监测的617家银行支行中,上调各期限定期存款利率的支行较多,尤其1年期、2年期、3年期利率,上调支行数比下调支行数分别多16家、24家和19家。相比2017年底,上调1年期、2年期利率的支行数比下调的支行数分别多52家、50家,本季度的变化比较平稳。
分城市看,数据显示,一线城市(北、上、广、深)的2年、3年、5年期定存利率分别比二三线城市高0.01个、0.03个和0.04个百分点。融360分析师认为,一线城市的揽储竞争更激烈,二三线城市储户的选择相对较少,所以银行在二三线城市的利率定价方面相对更有主动权。
2018年以来,各城市下调存款利率的较少,上调存款利率的偏多,而且主要集中于二三线城市的国有银行。其中,中国银行、工商银行上调明显,有近5个城市的中国银行都将2年期定期存款利率从上浮30%调到上浮40%。
未来银行存款利率趋势如何?上述分析师认为,预计2018年5月份还会有大批银行发售大额存单,且利率或将由目前集中上浮30%至40%上调到40%至50%甚至以上。此外,预计大型国有银行的普通定存利率趋于稳定,部分中小银行的普通定存利率则会有所上涨以增加存款,缓解其负债端压力。
与此同时,专家表示,资管新规即将落地,银行资产回归表内迫在眉睫,不少银行通过发行结构性存款产品来应对银行理财转型压力和揽储压力。当保本理财退出历史舞台,部分风险厌恶型的投资者或会选择存款产品,这给银行存款市场带来一定机遇;银行存款利率浮动上限逐步放开后,各种类型银行不仅在调整大额存单的利率,也对其他种类的存款产品有一定的调整。总的来看,银行存款利率难下行。
Proudmore
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Re: 多家银行上调大额存单利率 一线城市揽储竞争更激烈
April 20, 2018, 07:17:56 AM
#2
存款本来就危机。现在都贷款。谁存款,钱这么贬值。
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