建设银行：NIM下降幅度将逐渐收窄

金融一线10-30

10月30日金融一线消息，建设银行今日召开2025年第三季度业绩说明会。对于净息差相关问题，首席财务官生柳荣分析了净息差向好的原因：“从资产端看，2024年的LPR下调以及今年5月的降息效应叠加释放，公开市场利率处于低位，共同导致生息资产收益率同比下降47个基点。从负债端看，我行积极加强资产负债结构管理，加强对期限长、付息率高的定期存款的管控，取得了良好效果，前三季度存款付息率同比下降34个基点；...

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href=https://finance.sina.com.cn/jryx/bank/2025-10-30/doc-infvskcp9517735.shtml><strong>金融一线</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>10月30日金融一线消息，建设银行今日召开2025年第三季度业绩说明会。对于净息差相关问题，首席财务官生柳荣分析了净息差向好的原因：“从资产端看，2024年的LPR下调以及今年5月的降息效应叠加释放，公开市场利率处于低位，共同导致生息资产收益率同比下降47个基点。从负债端看，我行积极加强资产负债结构管理，加强对期限长、付息率高的定期存款的管控，取得了良好效果，前三季度存款付息率同比下降34个基点；...</p>\n\n<a href=\"https://finance.sina.com.cn/jryx/bank/2025-10-30/doc-infvskcp9517735.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"HK0000320223.HKD","symbol_name":"TAIKANG KAITAI CHINA NEW OPPORTUNITIES FUND \"A\" (HKD) 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narrow","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601939":1.5,"00939":1.5,"03143":0.6,"NIM":1.5},"content_text":"10月30日金融一线消息，建设银行今日召开2025年第三季度业绩说明会。对于净息差相关问题，首席财务官生柳荣分析了净息差向好的原因：“从资产端看，2024年的LPR下调以及今年5月的降息效应叠加释放，公开市场利率处于低位，共同导致生息资产收益率同比下降47个基点。从负债端看，我行积极加强资产负债结构管理，加强对期限长、付息率高的定期存款的管控，取得了良好效果，前三季度存款付息率同比下降34个基点；在存款之外，加强主动负债管理，全部付息负债的付息率同比下降37个基点。从结构变化看，我行持续优化资产端配置，压降低收益的同业资产占比，提高收益较高的贷款、金融投资等核心资产占比，对净息差起到了提升作用。”\n　　对于行业未来净息差变化情况，生柳荣展望道，从政策市场环境来看，当前央行不断完善货币政策框架，畅通利率传导机制，通过强调资产端和负债端降息的对称性、加大对结构性政策工具的应用等方式，有效降低政策对NIM带来的冲击；同时，金融监管部门继续加强对银行业定价行为的监管，开展理性竞价检查，整治无序竞争，为维持净息差稳定创造了良好环境。\n　　聚焦于银行自身，生柳荣进一步表示，由于贷款重定价快于存款，在LPR及存款利率下调的滞后影响下，预计全年净息差仍有一定下行压力。但从边际情况看，存款利率下调对负债成本的降低作用正逐渐显现，前三季度客户存款付息率同比下降34个基点，较上年同期多降30个基点，对净息差的企稳起到重要作用。同时，我行将继续提升经营能力和定价管理水平，优化资产负债结构，努力使净息差保持在合理水平。\n　　“综合来看，我们判断NIM下降幅度将逐渐收窄。我们有信心通过主动管理，继续保持净息差在可比同业的领先水平。”生柳荣总结道。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：曹睿潼","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"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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