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德宏傣族景颇族自治州(芒市、盈江县、瑞丽市、梁河县、陇川县)








仙桃市(天门市、潜江市、神农架林区)
鸡西市(密山市、鸡东县、恒山区、麻山区、城子河区、滴道区、虎林市、梨树区、鸡冠区)
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塔城地区(沙湾市、塔城市、乌苏市、托里县、裕民县、额敏县、和布克赛尔蒙古自治县)
德州市(庆云县、临邑县、乐陵市、宁津县、齐河县、禹城市、平原县、德城区、夏津县、武城县、陵城区)
汕尾市(城区、陆河县、陆丰市、海丰县)
韶关市(始兴县、新丰县、南雄市、浈江区、乐昌市、乳源瑶族自治县、武江区、曲江区、翁源县、仁化县)

  4月16日金融一线消息,杭州银行今日召开2024年度业绩说明会。谈及净息差,杭州银行副行长章建夫指出,总体上,现阶段的净息差还是有下行的压力,但是从行业的变化和杭州银行自身的变化来看,净息差下行的边际明显的好转。

  章建夫表示,一方面,各家商业银行从发展的角度,自我加强定价管理。杭州银行除了加强单笔业务的定价管理,同时也在资产负债管理上面进行结构的调整,推动高收益的资产和结算性存款的增加,减少和控制低效资产和高息负债,促进信贷市场尽早投放,推动存款付息率的快速下降;另一方免,从行业的实际情况来看,商业银行整体净息差的下降的幅度在收窄,2023年整体银行净息差是下降22个bp,2024年下降了17个bp。从杭州银行自身的情况来看,2023年下降19个bp,2024年下降9个bp,到2025年一季度,下降3个不bp。

  “应该看到行业也好,个体的商业银行也好,净息差的降幅边际是明显的放缓。”章建夫强调,无论是2025年,还是后续的发展过程当中,还是需要我们自身聚焦组织主业,做好实体经济的服务的同时,加大定价的精细化管理。

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