2018棋牌

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                    • 您的位置:2018棋牌 > 商学院 >

                      “双降”对银行盈利影响中性 存款利率短期难现一浮到顶

                      2014-08-28 10:01:41 来源:第一财经日报

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                      JIANGXIJIANGZHUNZUHEQUAN DUIYINXINGYINGLIYINGXIANGZHONGXING

                      2018棋牌JINNIAN8YUE26RIQI,YANGXINGXIADIAOJINRONGJIGOUCUNDAIKUANJIZHUNLILV0.25GEBAIFENDIAN。TONGSHI,FANGKAIYINIANQIYISHANGDINGQICUNKUANDELILVFUDONGSHANGXIAN,HUOQICUNKUANYIJIYINIANQIYIXIADEDINGQICUNKUANLILVFUDONGSHANGXIANBUBIAN。

                      2018棋牌DUICI,ZHONGGUORENMINDAXUEZHONGYANGJINRONGYANJIUYUANKEZUOYANJIUYUANDONGXIMIAODUI《DIYICAIJINGRIBAO》BIAOSHI,YANGXINGBENCIWEIDUICHENGJIANGXI,DANDUIYINXINGERYAN,JINGJICHENGZHANGFANGHUANXUERUOJIANGDIYINXINGZICHANFUZHAIDUANYIJIAKONGJIAN,DAIKUANJIAQUANLILVYOUXIAXINGYALI。

                      2018棋牌SHISHISHANG,YANGXINGSHUJUYEXIANSHI,JINRONGJIGOUDAIKUANJIAQUANPINGJUNLILVJINNIAN7YUEJIANGZHI5.97%,JIAOQUNIAN12YUEDE6.77%XIAJIANGLE80GEJIDIAN,YESHI2011NIANYILAISHOUCIJIANGZHI6%YIXIASHUIPING。

                      2018棋牌DONGXIMIAOBIAOSHI,CONGFUZHAIDUANKAN,SUIZHEYANGXINGTUIJINLILVSHICHANGHUAGAIGE,CUNKUANLILVSHANGFUSHANGXIANKUODAZHIJIZHUNLILVDE1.5BEI,YINXINGDENGJINRONGJIGOUNENGGENGLINGHUODIDUICUNKUANLILVDINGJIA,JIAZHIJINRONGCHUANGXINDIECHUHEJINRONGJIASU“TUOMEI”,SHIDEYINXINGFUZHAICHENGBENCUNZAIXIANGDUIGANGXING,YOUQISHIYANGXINGBENCIHAITONGSHIFANGKAIYINIANQIYISHANGDINGQICUNKUANDELILVFUDONGSHANGXIAN。YINCI,YANGXINGCICIDUICHENGJIANGXIDUIYINXINGYINGLICUNZAIFUMIANYINGXIANG,GUJIJIANSHAOYINXINGYEJINGLIRUNLV1%~2%。

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                      2018棋牌JIANGZHUNHOU,DAXINGJINRONGJIGOUCUNKUANZHUNBEIJINLVWEI18%,ZHONGXIAOJINRONGJIGOUZEWEI16%。DUICI,HENGFENGYINXINGYANJIUYUANCHANGWUYUANZHANGHUHAIFENGBIAOSHI,CUNKUANZHUNBEIJINLVDEXIADIAO,KEYIRANGYINXINGTIXIZIJINMIANQUYUKUANSONG,SHIFANGGENGDUOKEYONGZIJIN,DUISHANGYEYINXINGJUYOUJIJIYIYI。

                      “JIZHUNLILVDEXIADIAO,TEBIESHIYINIANQIYISHANGDINGQICUNKUANLILVFUDONGSHANGXIANDEDAKAI,KENENGJIANGTUIGAOYINXINGFUZHAICHENGBEN,YUJIYINXINGYEDEJINGLICHAJIANGJINYIBUXIAJIANG。”HUHAIFENGBIAOSHI,ZAILICHASHOURUZHANZHENGGEYINGLIBIZHONGRENGRANJIAODADEQINGKUANGXIA,“SHUANGJIANG”DUIYINXINGLAISHUOSHIYIBA“SHUANGRENJIAN”。BUGUO,BENCIJIANGXIWEIDUICHENGJIANGXI,CUNKUANDAIKUANDELIXIYITONGYANGFUDUXIADIAO,ZONGTILAIKAN,DUIYINXINGYINGLIJIAOWEIZHONGXING,FUMIANYINGXIANGBUDA。

                      ZHONGYANGCAIJINGDAXUEZHONGGUOYINXINGYEYANJIUZHONGXINZHURENGUOTIANYONGYEDUIBENBAOJIZHEBIAODALELEISIGUANDIAN:“SHUANGJIANGDUIYINXINGZONGTILAISHUOSHIZHONGXINGDE,BUSHICHUNCUIDELIHAOHUOLIKONG,YAOKANYINXINGDEJINGYINGQINGKUANG,YOUDEYINXINGKENENGHUISHANGFUCUNKUANLILV,YOUDEYINXINGKENENGSHANGFUDEDUO,YOUDEYINXINGKENENGSHANGFUDESHAO,ZHEIDUIGEJIAYINXINGDEYINGXIANGSHIBUYIYANGDE,ZHUYAOQUJUEYUYINXINGDEZHENGCE、DINGJIANENGLIHESHICHANGJINGZHENGLIDENGYINSU。”

                      2018棋牌LILVSHICHANGHUAJIEJINWANCHENG ZHONGXIAOYINXINGYALIGENGDA

                      2018棋牌JINNIANBEISHIWEILILVSHICHANGHUAGAIGESHOUGUANZHINIAN,RUJINJULIZUIZHONGSHIXIANWANQUANFANGKAICUNKUANLILVSHANGXIANJINSHENGXIAYIBUZHIYAO。

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                      2018棋牌SHISHISHANG,5YUE22RIYANGXINGJIANGCUNKUANLILVFUDONGQUJIANSHANGXIANTIGAODAO1.5BEIHOU,JUEDABUFENYINXINGDOUMEIYOUCAIQU“YIFUDAODING”DECUNKUANDINGJIACELVE。MUQIANGUOYOUYINXINGLILVYIBANZHISHANGFU10%,GUFENZHIYINXINGLILVSHANGFU20%,JINBUFENCHENGSHANGXINGSHANGFU20%~30%。

                      2018棋牌ZAIYANGCHIKANLAI,ZHEIFANYINGCHUDANGQIANYINXINGFUZHAICHENGBENYIJINGGUOGAO,DAOZHICUNDAILICHASUOZHAI,YINXINGZAIZICHANFUZHAIGUANLIFANGMIANGENGJIALIXINGHESHENSHEN。CUNKUANCHAYIHUADINGJIADEQUSHIJIANGGENGJIAMINGXIAN,YUELAIYUEDUODEYINXINGJIANGFANGQI“YIFUDAODING”,ZHUANERGENJUZISHENDEFUZHAICHENGBENHEKEHUJIEGOULINGHUODINGJIA。BUTONGYINXING、BUTONGDIQUZHIJIANDECUNKUANDINGJIACHABIEJIANGYUELAIYUEDA。

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                      利率市场化改革接近完成,银行将如何“接招”?这已经是老生常谈的话题。胡海峰认为,为缓解降息对银行的影响,银行应主动负债来源多元化,控制整体负债的成本通过多种手段吸纳低成本资金,降低对传统贷款的依赖;提高资产负债组合管理效率,加强对市场利率趋势的前瞻性研判,主动调整资产负债期限结构,提高整体收益;加快业务转型力度,提高资产管理等中间业务收入占比,降低对净利息收入的依赖。(中新网江西新闻转载)

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