银行净息差

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沪两家万亿级银行高管换防:新局开启,挑战重重
Xin Lang Cai Jing· 2025-10-11 05:11
区域性银行之间的高管换防并不偶见。 今年8月,就有 成都银行 与成都农商行的董事长对调:王晖调任成都农商银行董事长,黄建军接任成都 银行董事长。 这不,位于上海的两家万亿级银行也流动起来。 10月9日,上海农商行发布公告称,国家金融监督管理总局上海监管局已核准汪明的公司副董事长、行 长任职资格。 资料显示,汪明在赴任上海农商行之前,曾任 上海银行 副行长。5月21日,汪明因组织工作调动,辞去 上海银行副行长职务。 同时,上海农商行的前任行长顾建忠在今年4月离开上海农商行后,已前往上海银行担任董事长。8月1 日,其任职资格已正式获批。 01 上海银行与上海农商行这两家上海本地重要金融机构之间的高管变动,实则也是上海金融国企一次正常 的人事轮换。 从顾建忠的履历来看,其事实上是位"老上银",早在1997年就从复旦大学世界经济系毕业后加入上海银 行,曾在上海银行任职十余年,历任公司金融部副总经理、授信审批中心总经理、营业部总经理等多个 职位,并曾担任上海银行人力资源总监、人力资源部总经理、纪委副书记等职,这段经历也让他对上海 银行的内部机制和业务特点有着深刻理解。 2019年1月,顾建忠进入上海农商银行,担任该行行 ...
【专家观点】美国高净息差之谜:市场化与创新的力量
Zhong Guo Jin Rong Xin Xi Wang· 2025-10-09 05:13
转自:新华财经 新华财经北京10月9日电 题:美国高净息差之谜:市场化与创新的力量 作者:青岛银行首席经济学家 刘晓曙 一、"发达国家净息差必将收窄"是伪命题 近年来,我国银行业净息差持续收窄。市场有观点认为,随着社会经济发展到成熟稳定阶段,企业不确 定风险下降,风险定价趋于调低,贷款利率下行,因此净息差收窄是必然趋势,并常以日本、欧洲等低 利率、低息差国家作为参照。然而,这一观点实则存在误区。美国处于高度发达的经济阶段,净息差却 长期保持较高水平,英国的净息差也明显高于其他欧洲国家,净息差收窄并非经济成熟的必然结果。 二、市场化成就美国银行业高净息差 (一)高度市场化,经营不善的银行机构即时市场出清 根据联邦存款保险公司(FDIC)的官方统计数据,2008年全球金融危机至今,美国共倒闭584家商业银 行,其中包括资产规模逾3000亿美元的华盛顿互惠银行,以及投贷联动的行业标杆硅谷银行等知名银 行。 作为反面典型,日本政府的保护使得银行体系缺少活力。上世纪九十年代日本泡沫经济破裂初期,金融 机构经营困境主要集中于中小金融机构。日本政府未让问题银行自然出清,而是通过财政注资和行政主 导的合并重组等方式,强行避免 ...
刘晓曙:美国银行业高净息差之谜
Xin Lang Cai Jing· 2025-10-01 01:43
意见领袖 | 刘晓曙 一、"发达国家净息差必将收窄"是伪命题 近年来,我国银行业净息差持续收窄。市场有观点认为,随着社会经济从混乱状态发展到成熟稳定阶 段,企业不确定风险下降,风险定价趋于调低,贷款利率下行,因此净息差收窄是必然趋势,并常以日 本、欧洲等低利率、低息差国家作为参照。然而,这一观点实则存在误区。美国处于高度发达的经济阶 段,净息差却长期保持较高水平,英国的净息差也明显高于其他欧洲国家。由此可见,净息差收窄并非 经济成熟的必然结果。 美国银行业净息差尽管有所波动,但整体上大部分时间都保持在3%以上的相对较高水平。美国银行业 不仅在加息周期保持较高的净息差,如2005-2007年期间的加息周期,净息差保持在3%以上;而且在降 息周期,美国银行业也能维持较高的息差水平,最低值在2.5%以上。 二、市场化成就美国银行业高净息差 (一)高度市场化,经营不善的银行机构即时市场出清。 根据联邦存款保险公司(FDIC)的官方统计数据,2008年全球金融危机至今,美国共倒闭584家商业银 行,其中包括资产规模逾3000亿美元的华盛顿互惠银行,以及投贷联动的行业标杆硅谷银行等知名银 行。 作为反面典型,日本政府的保 ...
重庆农商行VS重庆银行:同城农商行与城商行的对决
数说者· 2025-09-28 23:31
Core Viewpoint - The article provides a comprehensive comparison between Chongqing Rural Commercial Bank and Chongqing Bank, highlighting their strengths and weaknesses in terms of financial performance, asset quality, and operational efficiency. Group 1: Background Information - Chongqing is the largest municipality in China by area, with a GDP of 3.22 trillion yuan in 2024, ranking 17th among all provinces and municipalities, and 3rd among the four municipalities [2] - Chongqing Rural Commercial Bank was established in 2008, evolving from various rural credit cooperatives [3] - Chongqing Bank was founded in 1996, originally as Chongqing City Cooperative Bank, and has undergone several name changes [5] Group 2: Shareholding Structure - As of June 2025, the top shareholders of Chongqing Rural Commercial Bank include Hong Kong Central Clearing Limited (22.07%) and several state-owned enterprises [4] - Chongqing Bank's major shareholders include Hong Kong Central Clearing Limited (33.75%) and other state-owned and private enterprises [5] Group 3: Capital Market and Operations - Both banks are listed in A+H shares, with Chongqing Rural Commercial Bank listed in Hong Kong in 2010 and on the Shanghai Stock Exchange in 2019, while Chongqing Bank was listed in Hong Kong in 2013 and on the Shanghai Stock Exchange in 2021 [7] - Chongqing Rural Commercial Bank has a more extensive branch network with 1,733 branches, while Chongqing Bank has 199 branches [8] Group 4: Financial Performance - In 2024, Chongqing Rural Commercial Bank had total assets of 1,514.94 billion yuan, significantly higher than Chongqing Bank's 856.64 billion yuan [12] - The net profit attributable to shareholders for Chongqing Rural Commercial Bank was 11.51 billion yuan, compared to 5.12 billion yuan for Chongqing Bank [12] - Chongqing Rural Commercial Bank's return on assets and return on equity are higher than those of Chongqing Bank, indicating better operational efficiency [12] Group 5: Asset Quality - As of 2024, Chongqing Rural Commercial Bank had a non-performing loan ratio of 1.18%, slightly better than Chongqing Bank's 1.25% [12][29] - The provision coverage ratio for Chongqing Rural Commercial Bank was 363.44%, significantly higher than Chongqing Bank's 245.08%, indicating stronger asset quality management [12][30] Group 6: Employee and Compensation Structure - As of 2024, Chongqing Rural Commercial Bank employed 14,542 staff, while Chongqing Bank had 5,337 employees [11] - Employee costs for Chongqing Rural Commercial Bank were 5.53 billion yuan, compared to 2.30 billion yuan for Chongqing Bank, but the average salary for Chongqing Bank employees was higher [36][41] Group 7: Long-term Trends - Over the past decade, Chongqing Rural Commercial Bank's total assets have consistently been higher than those of Chongqing Bank, although the gap has been narrowing [14] - Both banks experienced fluctuations in revenue growth, with Chongqing Rural Commercial Bank's revenue consistently higher but also showing a decreasing ratio compared to Chongqing Bank [16][18] Group 8: Conclusion - Overall, Chongqing Rural Commercial Bank demonstrates superior operational efficiency and asset quality compared to Chongqing Bank, despite having a larger workforce and higher employee costs [39][40]
钱该往哪放?美国降息,中国按兵不动!央行信号明确,要走新路子
Sou Hu Cai Jing· 2025-09-27 08:00
9月22日周一,无数人紧盯的LPR报价出炉:1年期维持3.0%,5年期坚守3.5%。这个结果让不少期待降息的购房者、企业主略感失望,但熟悉市场逻辑的人 却早有预判——要知道,就在5天前的9月17日,美联储刚宣布降息25个基点,且年底前还计划再降两次。 一边是美国开启宽松周期,一边是中国货币政策"按兵不动",这看似矛盾的操作背后,藏着对当前经济形势的精准拿捏。今天咱们就从银行、股市、楼市三 个维度,拆解央行的深层考量。 要理解降息放缓,首先得看懂商业银行的"生存困境"。截至2025年二季度末,商业银行净息差已跌至1.42%,这是2005年以来的最低水平,更严峻的是,这 个数字已经低于同期1.49%的不良贷款率。 可能有朋友不懂这组数据的分量——招行行长王良据公开采访报道曾直言,息差低于不良率,意味着银行的收益可能连信用成本、运营成本都覆盖不了。简 单说,银行放出去的贷款赚的钱,快不够填补坏账和运营开支了。 从行业结构看,大型商业银行净息差已低至1.31%,股份制银行1.55%,部分中小银行息差已逼近不良率水平。 从负债端看,降息空间早已见顶:活期存款利率已压至0.05%的"地板价",三年期、五年期定存利率普遍在 ...
季末高息大额存单闪现 利率超2%产品上演“手速大战”
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-25 00:42
Group 1 - The core viewpoint of the articles highlights the recent surge in demand for high-yield large-denomination certificates of deposit (CDs) with interest rates exceeding 2%, particularly from private banks, amidst a general trend of declining deposit rates in the market [1][2][3] - Private banks are leading the high-yield CD offerings, with products like those from SuShang Bank and Shanghai Huari offering rates of 2.1% and 2.35% respectively, while major state-owned banks offer lower rates around 1.4% to 1.65% [2][3] - The limited availability of these high-yield products has created a competitive environment, with many offerings selling out quickly due to their low-risk and high-return nature [3][5] Group 2 - The trend of short-term deposits is expected to continue, driven by banks' adjustments to their product structures and clients' liquidity needs, which may lead to a shortage of long-term large-denomination CDs in the future [4] - The net interest margin for commercial banks has been under pressure, with the average margin dropping to 1.42% as of the second quarter, indicating a challenging environment for banks [5][6] - Despite the pressure on net interest margins, some banks, like China Merchants Bank, maintain a competitive edge with a net interest margin of 1.88%, suggesting that effective management of deposit structures can mitigate some of the downward pressure [5][6]
2%大额存单一上架秒没
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-24 09:27
Core Viewpoint - The recent surge in demand for high-yield large certificates of deposit (CDs) from private banks highlights a competitive market environment, with rates exceeding 2% attracting significant interest from depositors [2][5][6]. Group 1: Market Dynamics - As the end of the month approaches, banks are intensifying their efforts to attract deposits, with some offering large CDs at rates above 2%, leading to a rush in subscriptions [2]. - Private banks are the main players in this high-yield competition, with products like SuShang Bank's 2-year and 3-year CDs offering rates of 2.1% and 2.3%, respectively [5]. - The overall trend indicates that while some banks are offering attractive rates, the majority of large CDs from state-owned banks remain at lower rates, making them less appealing [5][6]. Group 2: Product Availability and Demand - Many high-yield large CDs have limited availability, often selling out quickly due to their low-risk and high-return nature [6][9]. - The current market sees a scarcity of long-term deposit products, as banks are reducing deposit rates, leading to a situation where new high-yield large CDs are hard to come by [6][9]. - The demand for long-term deposits is expected to increase, but the supply of high-yield large CDs may not meet this demand in the future [7]. Group 3: Interest Rate Trends - The net interest margin for commercial banks has been under pressure, with the average margin dropping to 1.42% as of the second quarter [9]. - The trend of lowering interest rates is anticipated to continue, with banks adjusting their product structures to manage costs effectively [9][10]. - Despite the downward pressure on interest rates, the flexibility of large CDs in terms of transferability and liquidity continues to attract investors [7][9].
2%大额存单一上架秒没
21世纪经济报道· 2025-09-24 09:19
临近季末、月末,银行揽储的气氛逐渐浓烈。 近期,部分银行发布大额存单发行公告,推出利率超过2%的产品,立刻引起市场抢购。 有业内人士认为,在国有大行及股份制银行的大额存单年利率普遍迈入"1"字头的背景下,低 风险、高息产品的吸引力凸显。 不过,这类产品普遍存在额度有限,一单难求的情况,更多 是"季节性"产物,整体来看存款利率下行依然是主流 。 大额存单重出江湖抢客 民营银行是这波高息揽客的主力,部分大额存单利率维持在2%以上 。例如,苏商银行近期推 出2年期、3年期两款大额存单产品,两款产品的认购起点金额均为20万元,年利率分别达 2.1%、2.3%。 此外,上海华瑞18个月期和2年期大额存单年化利率分别为2.15%和2.35%,认购起点为20万 元。其中,2年期存单满30天即可进行产品转让。不过两款产品的介绍页面均注明"仅限上海地 区购买",其中18个月期的大额存单已显示"售罄"。 众邦银行20万元起存的3年期、5年期大额存单利率分别为2%、2.05%,这两款大额存单产品 均支持部分或全额转让,存入当日即可转让。 此外,富民银行和三湘银行等民营银行,产品货架上也有利率超2%的大额存单,目前显示部 分产品额度 ...
银行净息差降幅趋缓,行业探寻“稳息差”新路径
Huan Qiu Wang· 2025-09-21 02:31
息差降幅收窄成行业共识 同样,民生银行虽然净息差绝对值为1.39%,但其同比逆势提升1个基点,表现亮眼。该行副行长李彬表示,这得益于在资产 端做好"量价"平衡,加大对国家重点行业和领域的优质资产投放,并提升风险定价管理能力;在负债端,则通过聚焦业务场 景建设,做优做强支付结算业务,持续提升低成本结算性存款的占比,为稳定息差奠定了坚实基础。 在资产端收益普遍承压的背景下,从负债端"抠"出利润空间,成为银行稳息差的另一关键抓手。平安银行上半年通过"降本 增效"组合拳,有效管控了息差。该行副行长项有志介绍,一方面营业费用同比下降9%,另一方面,通过优化负债成本,尤 其是零售存款成本,上半年零售付息率较去年全年大幅下降27个基点。这些举措不仅稳定了息差,也使得净利润降幅明显小 于营收降幅。 兴业银行则抓住了存量负债到期重定价的"时间窗口"。该行计划财务部总经理林舒透露,下半年预计有2700亿元高成本的3 —5年期定期存款到期,按当前较低利率重置后,预计可节约利息支出15.4亿元。通过加强同业负债统筹管理,预计下半年 同业存放利息支出还可再节约10亿元左右。兴业银行行长陈信健表示,随着长久期高成本负债陆续到期,息差压力 ...
外部掣肘减弱 我国货币政策“以我为主”姿态更从容
Shang Hai Zheng Quan Bao· 2025-09-18 19:04
Core Viewpoint - The easing of external constraints on China's monetary policy is expected due to the Federal Reserve's interest rate cuts, which will provide more room for policy adjustments [1][2]. Group 1: Monetary Policy Environment - The Federal Reserve's interest rate cuts have led to a decline in the US dollar index, reducing pressure on the RMB exchange rate [1]. - Analysts suggest that the attractiveness of RMB assets is increasing, leading to more foreign capital inflows and higher demand for RMB, which supports its appreciation [1][2]. - The potential for further interest rate cuts by the Federal Reserve may continue to alleviate pressure on the China-US interest rate differential and the RMB exchange rate, allowing for a more accommodative monetary policy environment in China [1][2]. Group 2: Internal Constraints on Monetary Policy - Internal factors, such as maintaining necessary policy space and ensuring reasonable net interest margins, pose greater constraints on China's monetary policy compared to external factors [2]. - The net interest margin of commercial banks has fallen to a new low of 1.42%, which may limit the space for further interest rate cuts [2][3]. - The need to avoid excessive liquidity that could lead to inefficient allocation of financial resources is emphasized, suggesting a preference for targeted monetary policy measures [2]. Group 3: Future Outlook for Monetary Policy - There is still room for further interest rate cuts and reserve requirement ratio (RRR) reductions, as the macroeconomic environment remains challenging [4][5]. - Analysts predict that the People's Bank of China may lower the RRR by 0.25 to 0.5 percentage points in the third and fourth quarters to enhance liquidity [6]. - The coordination between fiscal and monetary policies is expected to strengthen, focusing on optimizing the structure of financial support to key sectors [6].