招行副行长谈存款搬家：定期存款到期比过往年度略多一点，但在正常范围

澎湃新闻03-30

3月30日，招商银行副行长、财务负责人、董事会秘书彭家文在该行2025年业绩发布会上表示，所谓“存款搬家”是指当年到期的定期存款流失的问题。从招商银行定期存款到期的量来看，比上年、比过往年度，的确要略多一点，但不是一个异常的数据，还是一个正常的范围之内。　　“可能大家更多关心的是在当前低利率环境下，当存款利率不能满足客户对收益的需求的时候，他的存款会流失到别的地方，可能流失到资本市场，投资股票或者...

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ACC","IE00BF5LJ272.USD":"Legg Mason Martin Currie - Global Emerging Markets A Acc USD","LU0918141705.HKD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AM\" (HKD) INC"},"translate_title":"Vice President of China Merchants Bank Talks about Deposit Moving: Time deposits mature slightly more than in previous years, but in the normal range","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03968":1.5,"03143":0.6},"content_text":"3月30日，招商银行副行长、财务负责人、董事会秘书彭家文在该行2025年业绩发布会上表示，所谓“存款搬家”是指当年到期的定期存款流失的问题。从招商银行定期存款到期的量来看，比上年、比过往年度，的确要略多一点，但不是一个异常的数据，还是一个正常的范围之内。　　“可能大家更多关心的是在当前低利率环境下，当存款利率不能满足客户对收益的需求的时候，他的存款会流失到别的地方，可能流失到资本市场，投资股票或者是转化成理财产品、公募基金产品等。”彭家文表示。　　他表示，从客户视角来看，假设存款流向理财产品和公募基金产品，那么希望通过服务，把这些资金还能留在招行的体内，虽然它不一定是招行的表内资金，但是它是招行的客户资金，所以我把它叫存款也许流失，但是客户不会流失。　　“从资金视角看，就是我们的存款流向了资本市场，又会沉淀为交易所的存款，这些在我们银行是核算为同业活期存款，如果从资金的视角来看，存款流失，但是如果能够通过我们对客户的服务，让资金通过同业渠道又回流到我们招行体内，那么这叫存款流失，资金并不会流失。”彭家文表示。　　“思路理清后，我们对存款搬家就并不觉得可怕了，”彭家文表示，接下来要做以下工作：第一还是尽量不让存款流失，这是基础性的工作，通过服务、通过产品的对接，不让存款流失。第二，如果存款要流失的话，要做好产品的对接，既是考验财富管理能力，让资金从存款流向产品，但是仍然留在招行体内。第三是要做好同业服务，让我们资金从同业市场、从资本市场能够流回招行体内。第四，存款流失的时机也是市场洗牌的时机，这也是利用我们的产品和服务，利用核心竞争优势去重新更多地获取市场份额的机会，所以可以借此让更多的客户更多的资金来流向招行，这是招行努力的方向。（文章来源：澎湃新闻）","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,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":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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