艾亞文表示,儲(chǔ)戶存儲(chǔ)長(zhǎng)期存款的意愿強(qiáng)烈,不少銀行再度下調(diào)中長(zhǎng)期存款利(lì )率,銀行(háng )通過(guò)降低長(zhǎng)(zhǎng )期存(cún )款利(lì )率,規(guī)避(bì )未來(lái)利率下(xià )行周期中的高息負(fù)債(zhài )鎖定風(fēng)險(xiǎn)。預(yù)期未來(lái)市場(chǎng)利率將持續(xù)下降,如果發(fā)放(fàng )高利率長(zhǎng)(zhǎng )期存款將導(dǎo)致(zhì )凈息差收窄。當(dāng)然,資產(chǎn)端(duān )收益(yì )壓縮(suō )也(yě )在倒逼銀行對(duì)負(fù)債(zhài )端定(dìng )價(jià)(jià )進(jìn)行調(diào)(diào )整,優(yōu)(yōu )化負(fù)債結(jié)構(gòu),應(yīng)(yīng )對(duì)存款(kuǎn )定期化帶來(lái)的成本上升(shēng )問(wèn)題(tí )。
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