艾亞文表示(shì ),儲(chǔ)戶存儲(chǔ)長(zhǎng)期存款的意(yì )愿強(qiáng)烈,不(bú )少銀(yín )行再度下調(diào)中長(zhǎng)(zhǎng )期存款利率,銀(yín )行通(tōng )過(guò)降低長(zhǎng)期存款利率,規(guī)避未來(lái)利率下行周期中的高息負(fù)債(zhài )鎖定風(fēng)(fēng )險(xiǎn)。預(yù)(yù )期(qī )未來(lái)市場(chǎng)利率將持續(xù)下降,如(rú )果發(fā)(fā )放(fàng )高利率長(zhǎng)期存款將導(dǎo)致(zhì )凈息差收窄。當(dāng)(dāng )然(rán ),資產(chǎn)端收益壓縮也在倒逼銀行對(duì)負(fù)債端定價(jià)進(jìn)(jìn )行調(diào)(diào )整,優(yōu)化負(fù)債(zhài )結(jié)(jié )構(gòu),應(yīng)(yīng )對(duì)(duì )存款定期化帶來(lái)的成本上升問(wèn)題(tí )。
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