银行大额存单“断货”，传递什么信号？

中国商网04-13

中国商报（记者王彤旭）4月11日，招商银行停发三年期五年期大额存单的消息登上热搜。多位招商银行客户经理表示，目前大额存单已无额度。4月12日，中国商报记者在招商银行App上查询到，目前确实已无三年期、五年期的大额存单业务。一年期、两年期利率分别为2%和2.15%，20万元起存。对于“定期存款”选项中的“整存整取”项目，招商银行依然有三年期、五年期产品，其中三年期利率1.95%、五年期利率...

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王彤旭）4月11日，招商银行停发三年期五年期大额存单的消息登上热搜。多位招商银行客户经理表示，目前大额存单已无额度。4月12日，中国商报记者在招商银行App上查询到，目前确实已无三年期、五年期的大额存单业务。一年期、两年期利率分别为2%和2.15%，20万元起存。对于“定期存款”选项中的“整存整取”项目，招商银行依然有三年期、五年期产品，其中三年期利率1.95%、五年期利率2.00%，50元起存。中国商报记者在招商银行App上查询到，目前确实已无三年期、五年期的大额存单业务。在浦发银行App上查询到，该行三年期大额存单业务显示“额度不足”。目前仅有一年期大额存单业务，年利率为2%。不过，目前有多家银行依然提供三年期大额存单业务。以工商银行为例，记者在工商银行App上看到，工商银行三年期、五年期大额存单利率分别为2.35%和2.4%。记者在工商银行App上看到，工商银行三年期、五年期大额存单利率分别为2.35%和2.4%。对于停发三年期五年期大额存单，招商银行回应称，目前客户存款意愿较强，银行流动性相对充裕，但资产端投放相对乏力，在这种情况下，压降成本较高的中长期定期存款或存单可以更好地管理净息差，如控制资金成本较高的三年期以上的大额存单额度。此外，银行可能只是暂时停发三年期以上大额存单额度，如果未来资产端投放需求扩大，银行需要中长期资金，可能会加大中长期定期存款或存单的发行力度。而与部分银行三年期、五年期大额存单停售同时出现的，是新一轮降息潮。近日，陕西、山西、河南、云南等地的中小银行密集下调存款利率。对此，业内人士称，中小银行调降存款利率，是对前期国有大行和股份行调降存款利率的跟进。存款利率的下降有助于银行减少存款利息支出，稳定净息差，提升利润空间。净息差收窄已成为银行业面临的普遍困境。以招商银行的年报为例，2023年该行净利息收益率为2.15%，较上年下降0.25个百分点。国家金融监督管理总局披露的数据显示，截至2023年年末，商业银行净息差为1.69%，已经跌破《合格审慎评估实施办法（2023年修订版）》中自律机制合意净息差1.8%的临界值。降低存款利率在一定程度上可以缓解银行的息差压力。招商银行此前表示，为了保持净利息收益率的相对稳定，该行进一步加强资产负债组合管理：在资产端，持之以恒抓好贷款投放，同时加大债券的配置力度，提高资金使用效率；在负债端，着力推动低成本核心存款的增长。银行目前面临的超额储蓄和贷款投放难的问题，促使利率下降成为一种趋势。业内人士表示，控制资金成本较高的三年期以上的大额存单额度等行为可能会成为部分银行的选择，不过这种压降并不是无限度的，银行会根据流动性状况、资产负债结构进行动态调整。如果未来资产端投放需求扩大，银行需要中长期资金的话，可能会加大中长期定期存款或存单的发行力度。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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