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【2020年第2期】財經快訊

發布日期:2020/1/10

“高息攬儲”被念緊箍咒 中小銀行攬儲壓力不小

 

       riqian,jianguanbumentongguochuangkouzhidaofangshi,yaoqiuyinxingtingzhibanliguanyudingqicunkuantiqianzhiqukaodangjixidexiangguanyewu。suizhukaodangjixichanpindexiajia,《zhengquanribao》jizhejinqizaizoufangzhongfaxian,muqianbeijingdiquduojiayinxingfenfenxiadiaolecunkuanlilvhuojiangqigoumenjiantigao,baokuotesechuxucunkuanchanpinhedaecundan。

    ciqian,minyingyinxingcengtongguokaodangjixicunkuanchanpinyingdeshichang。jinqi,kaodangjixichanpindexiajia,duiminyingyinxingdezijinduanxingchengyali,yizhiyubufenminyingyinxingzaitongyecundanfaxingjihuazhonghuyuyangxingtigongzengxin。

飞舞棋牌app下载,飞舞棋牌官方版下载    《zhengquanribao》jizhefaxian,muqianminyingyinxingtuichudechuxucunkuanchanpinzaililvfangmianzhengtiyousuoxiadiao,5%yishangdechanpinbizhiqianshaoleyixie,dandabufenrengbaochizai4%yishang。zaijixifangshishang,jibencaiquanzhouqijixidaitikaodangjixi。

飞舞棋牌app下载,飞舞棋牌官方版下载    zaimadaiyanjiuyuangaojiyanjiuyuansuxiaoruikanlai,baokuominyingyinxingzaineidezhongxiaoyinxinghuokebuyi,zaixinzengkunnandeqingkuangxia,yingdangjiaqiangduicunliangkehudeweihu,tongguoyouzhifuwuzaisuoshuquyuneishulikoubei。zaishengtaijianshefangmian,zhongxiaoyinxingkeyikaolvjiangzishenyewuyudiqushenghuojiehezaiyiqi,tongguofengfudeyetaixiyinyonghu。zaichuangxinfangmian,zexuyaohengliangshouruchengben,jiaqiangbiyaodejichusheshitouru。

    多數銀行

    存款產品利率在3%以上

    jinri,《zhengquanribao》jizhezaizoufangdiaochazhongfaxian,baokuoguoyouyinxing、gufenzhiyinxingzaineideduojiayinxingjinqizaishoudechuxucunkuanjunbuzaizhichikaodangjixi,ruotiqianzhiqujianganzhaohuoqicunkuanlilvlaijisuan。tongyang,zuoweidingqicunkuandeyilei,daecundantiqianzhiqukaodangjixidefangshiyebeiquxiao。zaichanpinlilvshang,dabufenyinxingjunxiadiaolelilv,muqiannianhualilvsuirandaduogaoyu3%,danzhiyougebiechanpinlilvnengdadao4.125%deshuiping。

    suowei“kaodangjixi”,zhuyaoshizhidingqileicunkuantiqianzhiqushibuanhuoqilixijisuan,ershianzhaozuijinyidangdingcunlilvjixi。yiweiguoyoudaxingdekehujingligaosujizhe:“shangzhouwoxingyijingtingfakaodangjixidetesechuxucunkuanchanpin,muqianzaishoudezhiyouyikuan3nianqidaecundan,nianhualilvwei4.125%,daoqiyicixinggeifu。danedushao,jibenkaoqiangcainengmaidao。”

飞舞棋牌app下载,飞舞棋牌官方版下载    zaiyijiagufenzhiyinxingwangdian,《zhengquanribao》jizhefaxian,gaixingjinqixinfadechuxucunkuanchanpinjidaecundanyibuzaizhichikaodangjixi。jugaixinggongzuorenyuanjieshao,zhiqianyikuankaodangjixidetesecunkuanchanpindenianhualilvjinqiyicong3.88%jiangzhi3.77%,zaijixifangshishangyequxiaolekaodangjixi。

    “muqianzaishoudeyikuantesecunkuanchanpin3nianqinianhualilvwei4.124%,zheshimuqiancunkuanchanpinlilvzuigaodeyikuan,danzhizhenduixinzengzijin20wanyuandekehu。tongshi,zhekuanchanpindeqigoumenjianyecong5wanyuanshangdiaozhi20wanyuan,erqieedubuduo,kenenghenkuaijiuhuishouwan。”lingyijiagufenzhiyinxingdekehujinglidui《zhengquanribao》jizhebiaoshi,muqianzaishoudedaecundanlilvyeyizhizaixiajiang,xiancong4.13%xiadiaozhi4.05%,zaixiadiaozhi3.9%。

    yiweiyinxingyeneirenshibiaoshi,2019nian《zhengfugongzuobaogao》zhongcengtidao,yao“shenhualilvshichanghuagaige,jiangdishijililvshuiping”。qunianyilai,yangxingyiduocijiangxijiangzhun,yinxinglicaichanpinshouyilvhecunkuanchanpindelilvpubianxiajiang。ruguodingqicunkuanchanpinlilvguogao,kenenghuitaishengcunkuanduandejingzheng,tigaoyinxingfuzhaiduanchengben。

    民營銀行

    需改變策略適應新環境

    2019nian12yuefenzhongxiaxun,《zhengquanribao》jizhezaibufenhulianwanglicaipingtaishangkandao,bushaominyingyinxingdechuxuleichanpinyinweigaolilverbeizhongduotouzizhe“tui”daobangshou,qizhongbushaoyinxingde5nianqichuxucunkuanlilvchaoguo5%,bujinlilvgao,huanketiqianzhiqukaodangfuxi,jianjushouyixingheliudongxing。

    danjizhejinriquefaxian,gedahulianwanglicaipingtaizaishoudechuxucunkuanchanpinlilvdabufensuiranrengweichizai4%yishang,danlilvchaoguo5%dechuxucunkuanchanpinyijinghenshao。chulexiadiaochanpinlilvwai,minyingyinxingyequxiaolekaodangjixidefangshi,dabufenchanpincaiquanzhouqifuxi,suiranrengkeyilinghuozhiqu,danruoweidaoyigezhouqitiqianzhiqu,jiuzhinenganzhaodangriyinxingguapaidehuoqililvjixi。

    liru,“zhenxingyinxing-zhihuicun”1nianqichanpindeqitoujinewei100yuan,jixifangshicaiquanzhouqifuxi,meiqipaixishouyilvwei4.8%。genjuchanpinshuomingshujieshao,meiman12geyuezuoweiyigejixizhouqi,an4.8%delilvfuxi,benjinzidongxucundaoxiayigejixizhouqi。gaichanpinketiqianquanezhiqu,danzhianyinxinghuoqililvjiesuandangqilixi。

    zaicizhiqian,kaodangjixichanpincengshiminyingyinxingdelanchuliqi。dansuizhuxiangguanchanpindexiajia,duiyinxingdezijinduanchanshengleyidingyingxiang。shanghaiyijiaminyingyinxingzai1yue7rifabude2020niandutongyecundanfaxingjihuazhongcheng,weilewendingliudongxing,kenqingyangxingzaitongyecundanfaxingshanggeiyuzhichi。buguo,gaitongyecundanzaifaxingjihuagengxinhou,youqudiaoleshangshuxiangguanmiaoshu。(laiyuan:zhengquanribao)

 

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