事关丰县人存款，下周一调整 ，幅度较大......
<section style="margin-bottom: 0px;outline: 0px;max-width: 100%;color: rgba(0, 0, 0, 0.9);font-family: system-ui, -apple-system, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section><section style="outline: 0px;max-width: 100%;visibility: visible;margin-bottom: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></section><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">这几年<br style="outline: 0px;"/></p><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">银行的存款利率持续走低</p><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">最近，又有多家股份银行</p><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">相继下调了存款利率</p><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">至此，国有行、股份行</p><p style="white-space: normal;margin-bottom: 0px;font-size: 16px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;">均完成了对存款利率的下调</p><section style="outline: 0px;max-width: 100%;visibility: visible;margin-bottom: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></section><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;color: rgb(171, 25, 66);visibility: visible;">下周一开始</span></strong></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;color: rgb(171, 25, 66);visibility: visible;">各家银行都将下调</span></strong></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;color: rgb(171, 25, 66);visibility: visible;">通知存款和协议存款的利率</span></strong></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;color: rgb(171, 25, 66);visibility: visible;">且下调幅度较大</span></strong></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.5em;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><section data-tools="135编辑器" data-id="105723" style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;"><section style="margin: 10px auto;outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;visibility: visible;"><section style="outline: 0px;display: flex;justify-content: center;visibility: visible;"><section data-width="50%" style="margin-bottom: -2px;outline: 0px;width: 118.385px;height: 3px;background-color: rgb(211, 163, 76);overflow: hidden;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section></section><section style="padding-top: 3px;padding-right: 3px;padding-left: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(55, 66, 120);visibility: visible;"><section style="padding: 2px 12px 5px;outline: 0px;background-color: rgb(247, 248, 255);visibility: visible;"><section data-brushtype="text" style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);visibility: visible;"><p style="outline: 0px;line-height: 1.5em;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;font-size: 17px;visibility: visible;">“类活期”存款利率迎下调</span></strong></p></section></section></section></section></section></section><p draggable="true" style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 1.5em;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><span style="font-size: 16px;">相较于以往一年以上期限的</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><span style="font-size: 16px;">存款利率下调</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><span style="font-size: 16px;">此次针对的是存量不大的</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><strong style="outline: 0px;visibility: visible;"><span style="outline: 0px;color: rgb(171, 25, 66);visibility: visible;">“类活期”存款利率</span></strong></p><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;text-align: center;visibility: visible;"></p></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="font-size: 16px;">一种是通知存款，以7天产品为例，据记者了解，此前的利率上限，针对国有大行，最多可以在基准利率上上浮50个基点，但是从下周一开始，最多只能上浮10个基点，到1.45%。这个利率相比当下工行的7点通知存款1.75%，也就是说，最少要降30个基点。</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><br style="outline: 0px;"/></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="font-size: 16px;">而对于<span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);"><strong style="outline: 0px;">商业银行来说，影响则更大。</strong></span>以浦发为例，<span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);"><strong style="outline: 0px;">当下7天通知存款最高达到1.95%，而当下周一调整后，最高只能做到1.55%。</strong></span></span></p><p><span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);font-size: 16px;"><strong style="outline: 0px;"><br/></strong></span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="font-size: 16px;">另外一类变化的则是<span style="outline: 0px;color: rgb(171, 25, 66);"><strong style="outline: 0px;">协议存款</strong></span>，变化后，<strong style="outline: 0px;"><span style="outline: 0px;color: rgb(171, 25, 66);">国有大行不得超过1.25%，其它银行则不得超过1.35%。</span></strong></span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;"><strong style="outline: 0px;"><span style="outline: 0px;color: rgb(171, 25, 66);">本次存款利率下调带来哪些影响？</span></strong></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;"><br style="outline: 0px;"/></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="font-size: 16px;">招商基金李湛认为，本次调降通知主要释放了两大信号。</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><br style="outline: 0px;"/></p><ul class=" list-paddingleft-2" style="white-space: normal;padding-left: 1.2em;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><li><p style="outline: 0px;"><span style="font-size: 16px;">一是减轻银行息差压力。本次下调将引导银行的对公活期成本下降，存款降价叠加资产端让利压力趋缓，银行息差、盈利将合理修复，有利于增强银行内生资本补充能力；</span></p></li><li><p style="outline: 0px;"><span style="font-size: 16px;">二是减少企业及居民的短期存款意愿、促进企业投资、居民消费。</span></p></li></ul><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><br style="outline: 0px;"/></p><section data-tools="135编辑器" data-id="105723" style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><section style="margin: 10px auto;outline: 0px;text-align: center;"><section style="outline: 0px;display: inline-block;"><section style="outline: 0px;display: flex;justify-content: center;"><section data-width="50%" style="margin-bottom: -2px;outline: 0px;width: 71.5px;height: 3px;background-color: rgb(211, 163, 76);overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding-top: 3px;padding-right: 3px;padding-left: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(55, 66, 120);"><section style="padding: 2px 12px 5px;outline: 0px;background-color: rgb(247, 248, 255);"><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><strong style="outline: 0px;"><span style="outline: 0px;font-size: 17px;">存款利率下行</span></strong></p><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><strong style="outline: 0px;"><span style="outline: 0px;font-size: 17px;">仍是大势所趋</span></strong></p></section></section></section></section></section><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.5em;"><br style="outline: 0px;"/></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="font-size: 16px;">业内人士认为，去年以来，随着活期存款定期化的趋势猛烈，银行成本进一步上升，<span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);"><strong style="outline: 0px;">而贷款利率却不断下行，明显挤压息差盈利空间，因此存款利率的下行趋势，在市场预料之中。</strong></span></span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);font-size: 16px;"><strong style="outline: 0px;"><br/></strong></span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: left;background-color: rgb(245, 245, 245);"><span style="font-size: 16px;"><strong style="outline: 0px;">廖志明 招商证券银行业首席分析师</strong>：</span></p><p style="color: rgb(0, 0, 0);white-space: normal;margin-bottom: 0px;letter-spacing: 0.544px;background-color: rgb(245, 245, 245);max-inline-size: 100%;cursor: text;caret-color: rgb(255, 0, 0);line-height: 1.5em;font-family: 微软雅黑, sans-serif;outline: none 0px !important;"><span style="font-size: 16px;">监管的导向我们认为还是帮助银行去降低存款成本，因为这几年我们发现，不管是个人还是企业，做存款主要做定期，特别个人做定期基本上是三五年的定期存款，一年以下的定期存款没有人存，其实这样就导致银行总的存款成本是往上走。</span></p><p style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="outline: 0px;text-shadow: none;color: rgb(171, 25, 66);"><strong style="outline: 0px;"><br/></strong></span></p><p style="color: rgb(0, 0, 0);font-size: medium;letter-spacing: normal;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;">业内分析，由于过去两年中长期存款利率的整体降幅已较大，<span style="outline: 0px;color: rgb(171, 25, 66);"><strong style="outline: 0px;">2021年至今，三年期已下降约100个基点，因此短时间内需要控制节奏。</strong></span></p><p style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.5em;"><br style="outline: 0px;"/></p><section data-tools="135编辑器" data-id="105723" style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><section style="margin: 10px auto;outline: 0px;text-align: center;"><section style="outline: 0px;display: inline-block;"><section style="outline: 0px;display: flex;justify-content: center;"><section data-width="50%" style="margin-bottom: -2px;outline: 0px;width: 139.042px;height: 3px;background-color: rgb(211, 163, 76);overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding-top: 3px;padding-right: 3px;padding-left: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(55, 66, 120);"><section style="padding: 2px 12px 5px;outline: 0px;background-color: rgb(247, 248, 255);"><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><span style="outline: 0px;font-size: 17px;"><strong style="outline: 0px;"><span style="outline: 0px;letter-spacing: 0.578px;">新规会普遍降低中小行协定存款</span></strong></span></p><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><span style="outline: 0px;font-size: 17px;"><strong style="outline: 0px;"><span style="outline: 0px;letter-spacing: 0.578px;">及通知存款利率</span></strong></span></p></section></section></section></section></section><p style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><br style="outline: 0px;"/></p><p style="color: rgb(0, 0, 0);font-size: medium;letter-spacing: normal;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;">对于调整，市场分析普遍认为，<strong style="outline: 0px;"><span style="outline: 0px;color: rgb(171, 25, 66);">此举对银行息差、利润提振有限，但信号意义较强。</span></strong></p><p style="color: rgb(0, 0, 0);font-size: medium;letter-spacing: normal;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;">而此<span style="outline: 0px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, sans-serif;">次调整的类活期存款，</span><span style="outline: 0px;color: rgb(171, 25, 66);"><span style="outline: 0px;caret-color: red;text-shadow: none;"><strong style="outline: 0px;">主要针对特定存取需求的客户，面向的范围较为有限</strong></span><span style="outline: 0px;caret-color: red;">，</span></span><span style="outline: 0px;caret-color: red;">因此在银行存款中占比并不高。</span></p><p style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.5em;"><br style="outline: 0px;"/></p><p style="color: rgb(0, 0, 0);font-size: medium;letter-spacing: normal;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;color: rgb(171, 25, 66);">“一些银行的这两类存款占比在20%以下，有些银行更少，在10%以下。”</span></strong>招联首席研究员董希淼称。<br style="outline: 0px;"/></p><p style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.5em;"><br style="outline: 0px;color: rgba(0, 0, 0, 0.9);font-size: 17px;letter-spacing: 0.544px;text-align: justify;"/></p><p style="color: rgb(0, 0, 0);font-size: medium;letter-spacing: normal;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;">业内分析，由于过去两年中长期存款利率的整体降幅已较大，<span style="outline: 0px;color: rgb(171, 25, 66);"><strong style="outline: 0px;">2021年至今，三年期已下降约100个基点，因此短时间内需要控制节奏。</strong></span></p><section style="white-space: normal;margin-bottom: 0px;padding-right: 10px;padding-left: 10px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);letter-spacing: 2.5px;color: rgb(48, 83, 124);text-align: center;"><section style="outline: 0px;text-align: justify;"><br/></section><section data-tools="135编辑器" data-id="105723" style="color: rgb(0, 0, 0);font-size: medium;text-align: start;white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><section style="margin: 10px auto;outline: 0px;text-align: center;"><section style="outline: 0px;display: inline-block;"><section style="outline: 0px;display: flex;justify-content: center;"><section data-width="50%" style="margin-bottom: -2px;outline: 0px;width: 139.042px;height: 3px;background-color: rgb(211, 163, 76);overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding-top: 3px;padding-right: 3px;padding-left: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(55, 66, 120);"><section style="padding: 2px 12px 5px;outline: 0px;background-color: rgb(247, 248, 255);"><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><strong style="font-size: 17px;outline: 0px;"><span style="outline: 0px;letter-spacing: 0.578px;">“降息潮”后钱还能放哪？</span></strong></p><p style="outline: 0px;font-size: 16px;letter-spacing: 1.5px;color: rgb(55, 66, 120);"><strong style="font-size: 17px;outline: 0px;"><span style="outline: 0px;letter-spacing: 0.578px;">有人捧着几十万跨城跨省储蓄</span></strong></p></section></section></section></section></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">“降息潮”之下，为了寻求利差，有储户开启“暴走”模式，千里奔袭“跨区”存款，他们从苏州赶到上海，从河北去往天津，只为寻求更好利率的存款收益。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);transform: translate3d(10px, 0px, 0px);"><section style="padding: 5px 10px;outline: 0px;display: inline-block;width: 627.938px;border-width: 0px 0px 0px 6px;border-style: solid;border-left-color: rgb(25, 67, 115);border-right-color: rgb(25, 67, 115);box-shadow: rgb(0, 0, 0) 0px 0px 0px;height: auto;"><section style="outline: 0px;font-size: 15px;color: rgb(25, 67, 115);letter-spacing: 2px;line-height: 1.3;"><p style="outline: 0px;"><span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;">“存款特种兵”跨省储蓄</strong></span></p></section></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">什么都在涨价，利息越来越低，接下去怎么办呢？“我要打车、坐高铁去另外一个城市存钱”……最近，银行存款利率成了不少网友热议的焦点，更有人捧着几十万跨城存款。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">近日，有网友表示，江苏很多地方的存款客户，纷纷赶往上海去存钱，甚至不惜坐高铁赶在银行开门之前去排队取号。驱动他们这样做的原因只有一个，那里的利率比本地的高。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">在社交媒体上，一些网友分享跨地区存钱的经历，再次刷新了大家的想象力，原来为了多挣点利息还可以这样操作，甚至有网友调侃称，这是“特种兵式存钱”。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 627.938px;height: auto;"></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 627.938px;height: auto;"></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;font-size: 14px;color: rgb(160, 160, 160);letter-spacing: 2px;"><section style="outline: 0px;text-align: justify;"><span style="outline: 0px;font-size: 16px;">图源/网友社交平台截图<br style="outline: 0px;"/></span></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 627.938px;height: auto;"></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 627.938px;height: auto;"></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;color: rgb(160, 160, 160);">图源/网友社交平台截图<br style="outline: 0px;"/></span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">在网友的安利下，江苏银行一夜之间成了网红银行。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-top: 10px;margin-bottom: 10px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;transform: translate3d(10px, 0px, 0px);"><section style="outline: 0px;width: 2.25em;height: 2.25em;border-top: 5px solid rgb(25, 67, 115);border-left: 5px solid rgb(25, 67, 115);transform: rotate(0deg);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section><section style="margin-top: -2.25em;outline: 0px;"><section style="padding: 10px;outline: 0px;background-color: rgb(242, 242, 242);width: 627.938px;"><section style="padding: 10px;outline: 0px;text-align: justify;font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2.25px;"><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">有网友表示，三年期的定期存款，在江苏和上海的利率分别是3.1%和3.5%，存个三五十万，利息差一年就有好几千了。两地交通又方便，刨去异地往返的时间和资金成本，还能够多挣不少利息。</span></section></section></section></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);transform: translate3d(10px, 0px, 0px);"><section style="padding: 5px 10px;outline: 0px;display: inline-block;width: 627.938px;border-width: 0px 0px 0px 6px;border-style: solid;border-left-color: rgb(25, 67, 115);border-right-color: rgb(25, 67, 115);box-shadow: rgb(0, 0, 0) 0px 0px 0px;height: auto;"><section style="outline: 0px;font-size: 15px;color: rgb(25, 67, 115);letter-spacing: 2px;line-height: 1.3;"><p style="outline: 0px;"><span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;">今年来三次“降息潮”</strong></span></p></section></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">在利率市场化进程持续推进和金融让利实体的背景下，今年以来，国内银行已掀起了三次“降息潮”。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;">今年1月</strong>，包括天山农商行、乌鲁木齐银行、新疆银行、广东南澳农商行等在内的多家地方性银行发布调整存款产品利率的公告，对多个存款产品利率进行下调，其中以5年期存款产品利率下调幅度最大。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;">4月</strong>，广东、湖北、河南等地多家中小银行、农信社也纷纷宣布下调存款利率。整体来看，城商行、农商行利率下调幅度相对较大，尤其是农商行，1年、2年、3年、5年期存款平均利率分别环比下跌5BP、3BP、2.5BP、11.5BP。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;">5月至今</strong>，银行存款利率调降队伍进一步扩大，浙商银行、恒丰银行、渤海银行先后宣布下调人民币存款挂牌利率，整体来看，调整后，上述3家股份制银行3年、5年定期存款挂牌利率已经降至3%以下。</span></section><section style="outline: 0px;"><br style="outline: 0px;"/></section></section><section style="white-space: normal;margin-bottom: 0px;padding-right: 12px;padding-left: 12px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;"><section style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">随着银行净息差持续收窄，负债压力加大，业内人士认为未来“降息潮”会波及更多银行，过去一年大型银行存款利率已经下降较多，中小型银行利率下降幅度较小，未来利率下调空间更大。但银行下调存款利率也可能会带来一些负面影响。比如，可能会导致客户的存款流失，或者引起客户的不满。</span></section></section><section><section data-role="paragraph" data-color="#ac1d10" data-custom="#ac1d10"><section data-role="outer" label="edit by 135editor"><p style="outline: 0px;letter-spacing: 0.544px;line-height: 1.5em;"><br style="outline: 0px;letter-spacing: 0.544px;"/></p></section></section></section><section data-role="outer" label="edit by 135editor"><section style="text-align: center;margin-bottom: 0px;"><br/></section></section><section><section><section data-role="paragraph" style="outline: 0px;max-width: 100%;letter-spacing: 0.544px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="outline: currentcolor none 0px;max-width: 100%;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);font-size: 16px;text-align: center;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-role="paragraph" style="outline: currentcolor none 0px;max-width: 100%;letter-spacing: 0.544px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-role="outer" label="edit by 135editor" style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-role="paragraph" style="outline: currentcolor none 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-role="paragraph" style="margin-bottom: 24px;outline: 0px;max-width: 100%;text-align: justify;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.6em;visibility: visible;margin-bottom: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.5px;">来源 | </span><span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.5px;">财联社、澎湃新闻、第一财经、极目新闻</span></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><p><br/></p><link rel="stylesheet" href="//bbs.221700.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_A3v" id="wcn_editor_css"/> 谢谢分享 让老百姓不要存钱都消费。可老百姓手里也没有多少钱。 感谢平台分享！ 银行存款利率调降 利息越来越低了 利息不如之前高了 利息低了 幸好我没钱存 谢谢分享
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