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中山市

  “目前没有5年期的(可利率上浮的)定期存款。”进入4月以来,家住北京的阿玲从多家银行客户经理口中得知:3年期和5年期定期存款不仅利率下降,且如果不想按照挂牌利率“贴地”存入,额度要靠“抢”。

  阿玲咨询一圈下来发现,部分银行可利率上浮的3年期定存门槛已经提高到20万元甚至更高,5年期的特色定存则直接“消失”。

  正如阿玲的感受一样,据第一财经了解,在银行净息差持续承压背景下,定期存款期限利率倒挂、额度紧张逐渐变得不再新鲜,近期则有越来越多的银行提高3年期定存门槛,甚至逐步取消了对5年期定存的利率上浮,50元起存的普通定存只能按照挂牌利率存入。

  央行最新披露的金融数据显示,3月,人民币存款增长4.25万亿元,同比少增5500亿元,在非银存款同比继续大幅少增的同时,居民和企业存款均有明显回温。去年以来,存款流失给银行业带来的负债端压力持续凸显,但在业内人士看来,息差压力下,考虑到存款挂牌利率下行空间逐步收窄,负债端的结构调整和精细化管理还会持续。

  降利率、提门槛

  考虑到市场竞争和产品吸引力等因素,商业银行的定期存款执行利率会在挂牌利率基础上进行一定幅度上浮,形成各家的“特色存款”。随着息差压力倒逼银行降成本,不少银行开始调整不同期限“特色存款”的利率上浮幅度,“补短控长”导致期限利率倒挂现象增多。

  相比存款利率下调节奏靠前的国有大行,股份行及地方中小银行仍有不同程度的利率优势。不过,近期,第一财经记者以储户身份从北京地区多家银行了解到,目前各银行不同期限、不同起存金额的定期存款利率分档更加精细,也更加复杂,利率进一步下调的同时,起存门槛大幅提高。

  这其中,中长期存款仍是主要调整对象。比如,不少银行可进行利率上浮的3年期、5年期定期存款不仅不如1年期、2年期品种利率高,额度也普遍紧张。

  据光大银行北京地区某支行工作人员介绍,自3月中下旬起,该行3个月期以上的可进行利率上浮的定期存款多数提高了起存门槛。以最受储户青睐的3年期品种为例,该行3年期“安稳存”有两档利率,分别为20万元起存对应利率2.07%和30万元起存对应利率2.14%。该工作人员表示,相关存款产品额度紧张,每周三早上8点半释放额度,往往在一分钟内即“秒光”。

  大额存单额度则更为紧俏,部分银行仅有1年期品种。上述光大银行工作人员表示,该行3年期大额存单利率也分两档,分别为20万元起存对应利率2.1%、50万元起存对应利率2.15%,但仅在每周三和周六早间释放额度,同样需要“抢”。

  当记者问及更低起存门槛的定存利率时,上述光大银行工作人员表示,目前3年期和5年期品种1万元起存利率均为2.05%,1年期品种1万元起存利率为1.6%,1万元以下则需按照挂牌利率存入。不设门槛(50元起存)的普通定存仅有3个月期品种支持利率上浮,上浮后为1.3%。

  平安银行北京地区某支行工作人员也介绍称,该行近期在下调中长期定存执行利率的同时,调高了起存门槛。据了解,该行目前3年期不设门槛的定存品种年利率为1.65%,20万元以上大额存单利率最高可达到2%,但额度紧张“需要申请”。

  平安银行上述工作人员回忆称,3月时,该行3年期的普通定存利率还可以达到2.05%。这也意味着,该行普通3年期定存利率在近期下调了40BP。

  不只是利率下调,越来越多的银行不再对5年期定存产品进行利率上浮。“最近取消了,5年的存不了。”平安银行上述工作人员表示,5年期定存品种利率之前已经较3年期偏低,但近期该行直接取消了利率上浮,只可按照挂牌利率存入。

  北京银行北京西城区某支行工作人员也表示,该行近期开始将5年期定存利率按照挂牌利率执行,3年期品种20万元起存利率才可上浮至2.1%;大额存单最长仅有1年期品种,利率为1.7%。

  随着这一趋势加剧,利率倒挂现象也更加凸显,越来越多银行的3年期、5年期定存最高利率低于1年期和2年期品种。从国有大行来看,5年期定存品种已按照挂牌利率执行多时。以工商银行为例,手机银行APP显示,目前该行除5年期个人养老金专属存款年利率最高可至1.95%外,5年期普通定存年利率最高仅为挂牌利率1.55%,3年期品种年利率最高则可至1.9%。据当地支行工作人员介绍,3年期定存年利率1.9%起存金额为1万元。

  从挂牌利率来看,经过多轮存款利率下调后,国有大行3年期、5年期定存挂牌利率降至1.5和1.55%,股份行也逐步接近这一水平。目前,招商银行3年期、5年期定存挂牌利率为1.5%、1.55%;平安银行和光大银行3年期、5年期定存挂牌利率为1.55%、1.6%。

  存款搬家结构性缓解

  事实上,去年以来,在存款利率下调、手工补息被叫停、同业存款新规等持续影响下,银行业缺负债问题持续显现,今年以来也受到市场关注。

  在业内人士看来,银行在这一背景下强化负债端管理,一方面反映了持续的息差压力,尤其在冲击“开门红”告一段落后,银行开始针对存款定期化强化管理;另一方面也有望间接推动资金更多流向消费及投资领域。在2024年度业绩发布会上,多家银行高管释放出通过进一步调整存款结构降低负债成本的计划。

  从央行数据来看,经历了去年的大幅波动,今年以来,银行业存款开门红取得了完美收官。今年3月,国内金融机构人民币存款增长4.25万亿元,同比少增5500亿元,其中住户存款增加3.09万亿元,同比多增2600亿元;非金融企业存款多增2.84万亿元,同比多增7675亿元;财政存款减少7710亿元,同比少增49亿元;非银存款减少1.41万亿元,同比少增12610亿元。

  今年以来,单月新增存款均保持在4万亿元以上,一季度合计新增存款12.99万亿元,相比去年一季度的11.24万亿元多增1.75万亿元。而去年四季度,在同业存款新规等政策持续影响下,人民币单季新增存款仅为1.37万亿元,同比少增近1.9万亿元。

  从结构上看,一季度居民新增存款9.22万亿元,非金融企业新增存款1.74万亿元,财政存款新增8190亿元,非银金融机构新增存款3090亿元。相比去年同期,四部门新增存款分别多增6600亿元、1.52万亿元、1.1万亿元、-1.25万亿元。

  居民和企业存款仍是人民币新增存款的主力部门。最近两年,随着存款利率持续下行,存款搬家现象备受关注。不过从最近5年单月数据来看,虽然非银同业存款阶段性下滑持续,但今年3月居民存款新增规模重回同期新高,企业新增存款规模则仅次于2020年3月。

  对此,有机构人士结合居民新增贷款情况表示,居民端存款增长稳定,信贷投放相对承压,就业、收入等长周期变量待改善,居民储蓄意愿较高,加杠杆诉求仍较低。

  财报数据显示,去年六大行公司存款合计减少超万亿达到1.2万亿元,个人存款增加约7.5万亿元,较上年同期的8.86万亿元少了1万多亿元。其中,个人存款定期占比约为80%,较上年同期的近96%已有明显回落。

  股份行方面,Wind数据显示,目前已有数据的9家股份行去年个人定期存款增加8007亿元,较上年同期的1.74万亿元缩水过半;个人活期存款则增加约6148亿元,上年同期为减少2532亿元。

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