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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
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  本报记者 彭 妍

  4月份以来,我国银行业迎来新一轮存款利率调整。中小银行密集下调中长期存款利率,降幅在5个基点至170个基点不等。不少银行定期存款利率已跌破2%。在市场利率持续下行的背景下,2%以上利率的存款产品越来越稀缺,成为“限量版”。

  上海金融与法律研究院研究员杨海平对《证券日报》记者表示:部分商业银行加大对被动负债的主动引导,运用利率定价对存款行为进行主动调节引导,以缩短负债的平均到期时间,增加重定价的机动性。这表明商业银行存款管理的逻辑正在发生变化,最关键的是从规模情节走向精准控制,更加依赖前瞻性研判,更加积极地规避高成本存款,更加注重对被动负债的主动管理。

  多家银行下调存款利率

  此轮利率调整以三年期、五年期定期存款为重点。

  “上周‘平安存’产品三年期年利率由2.05%下调至1.65%,下调40个基点。目前各个期限存款产品利率基本都低至2%以下。”平安银行北京某支行网点理财经理对记者表示。

  “目前1年期定存利率是1.85%,2年期利率是1.95%,3年期利率是2.2%,都是1万元起存。调整之前1年期、2年期、3年期定存利率分别是1.9%、1.95%、2.25%。”南京银行北京海淀区某支行理财经理告诉记者。

  记者不完全梳理发现,4月份以来,多家农商行、村镇银行下调存款利率,本轮调整多集中在三年期、五年期存款产品,部分银行下调幅度超100个基点,调降后多数银行存款产品的利率已低于2%。

  以兴宁珠江村镇银行为例,其五年期定存利率从3.25%骤降至1.55%,降幅达170个基点,三年期利率从2.75%降至1.6%,降幅达115个基点。广西融水农商银行三年期定存利率从2.1%降至1.9%,降幅达20个基点。

  降低负债端成本是主因

  业内普遍认为,降低负债端成本是银行主动调降存款利率的关键原因。当前,银行净息差承压。从行业数据看,2024年四季度商业银行净息差已降至1.52%的历史低点,较2023年同期下降0.17个百分点。2024年年报数据进一步显示,上市银行净息差收窄趋势延续,多数机构净息差水平已低于行业平均水平,负债端成本管控压力持续凸显。

  杨海平认为,无论是从应对外部冲击、提振实体经济的角度,还是从债务风险化解的角度来看,下一阶段商业银行存款利率下行压力仍将持续。不同的商业银行将根据自身的市场地位、资产负债实际情况,采取更具有前瞻性、更灵活的存款定价策略。

  业内人士表示,‌面对存款利率下行,储户可采取以下应对策略:一是关注市场与政策动态,灵活调整投资安排。二是多元化资产配置,平衡风险与收益。三是锁定长期稳健收益,选择长期定存、结构性存款等产品,提前锁定相对高利率,合理规划资金使用周期。四是转向低风险替代资产,配置黄金、低波动理财(如货币基金、短债基金)等,兼顾抗通胀与稳健增值。五是优化收益预期与风险匹配,理性看待收益下行,避免盲目追求高息产品,优先选择与自身风险承受能力匹配的投资方案。

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