原标题：九卦 | 面对67万亿存款到期潮，中小银行的留客之道 来源：九卦金融圈 作者：王润石（上海金融发展研究实验室特聘研究员、重庆财经学院副教授、九卦金融圈专栏作家） 2026年，中国银行业将迎来一场规模空前的定期存款集中到期潮，据中金公司测算，到期资金规模预计 在50–75万亿元之间，其中核心部分源自2022–2023年疫情防控期间居民避险情绪催生的中长期定期存 款，1年期及以上长期限存款占比超89%，达67万亿元，较2025年同比增加10万亿元。 与此同时，市场利率持续下行态势未改，三年期定期存款利率普遍跌破1.8%，2026年开年虽有阶段性 回暖，中小银行三年期定存普遍回升至1.95%，但整体仍处于低位，国有大行三年期利率仅1.25%，股 份行在1.55%—1.85%之间，形成清晰的利率分层格局。叠加居民风险偏好持续保守、国有大行吸储能 力边际下降的多重背景，中小商业银行迎来了前所未有的"存款搬家"战略窗口期。 然而，机遇背后暗藏挑战。对于资本实力、品牌影响力均处于劣势的中小银行而言，若盲目跟风通过提 高存款利率揽储，必然会显著抬升负债成本、压缩净息差空间，甚至引发流动性风险，陷入"高成本揽 储—盈利 ...

四川天府银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 2月26日，国家金融监督管理总局四川监管局发布批复，核准王成四川天府银行股份有限公司行长的任 职资格。 四川天府银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自本行政许可决定作 出之日起3个月内到任，并将其任职文件及时抄送四川金融监管局和南充金融监管分局。未在上述规定 期限内到任的，本批复文件失效，由四川金融监管局办理行政许可注销手续。 ...

Find out which banks are offering the best MMA rates right now. As interest rates begin to fall following the Fed’s recent rate cuts, it’s more important than ever to ensure you’re earning a competitive rate on your savings. One option you may want to consider is a money market account (MMA). These accounts are similar to savings accounts — they offer interest on your balance, but may also include a debit card and/or check-writing capabilities. Wondering where the top money market account rates can be fou ...

Mortgage rates dipped into the 5% range for the first time since 2022 as Treasury yields continued to fall. Three months of a slow interest rate decline have filtered through the mortgage industry, with increasing reports of home loan rates finally slipping below 6%. Freddie Mac is the latest rate aggregator to record a sub-6% result, with a 30-year fixed rate of 5.98%. The report mirrors the Yahoo Finance weekly survey of lenders, which has reported a growing number of mortgage issuers with rates in the ...

Find out which banks are offering the best CD rates right now. If you’re looking for a secure place to store your savings, a certificate of deposit (CD) may be a great choice. These accounts often provide higher interest rates than traditional checking and savings accounts. However, CD rates can vary widely. Learn more about where CD rates stand today and how to find the best rates available. Banks with the best CD rates today CD rates are relatively high compared to historical averages. That said, CD r ...

If you’re looking to supercharge your savings, a high-yield savings account could provide an above-average return to help your balance grow faster. However, not all banks offer high savings account rates, which is why it’s important to shop around and find the most competitive savings interest rates available. Read on to learn more about where to find the best savings interest rates today. Banks with the best savings interest rates today Savings account rates have been trending down since 2024, when the ...

其中，四川金融监管局核准王成四川天府银行行长的任职资格。此前，四川天府银行发布公告称，该行 原行长钟辉先生因工作调整，自2025年9月16日起辞去行长职务，继续担任银行副董事长职务。 中经记者 张漫游 北京报道 四川金融监管局还核准王付彪长城华西银行董事、董事长的任职资格，核准王振飞长城华西银行副行长 的任职资格。2025年10月，长城华西银行发布公告称，董事会收到余国文的书面辞职报告，因工作需 要，余国文申请辞任行长职务。 2月26日，国家金融监督管理总局四川金融监管局公布了四川天府银行和长城华西银行两家银行的管理 层任职批复。 （编辑：杨井鑫 审核：朱紫云 校对：刘军） ...

McLaughlin also pointed to strengthened capital following an AT1 issuance in the second half of the year, with the Tier 1 ratio rising to 19.3% . He said the group had achieved five consecutive quarters of book growth and four consecutive quarters of profitability.The group’s net interest margin (NIM) was 16.8% , which management attributed to a planned mix shift toward second charge mortgages. Excluding second charge mortgages, the company said NIM increased by 50 basis points , reflecting pricing discipli ...

责任编辑：磐石 格隆汇2月26日丨中信证券(600030.SH)公布，日前，公司收到中国证监会《关于同意中信证券股份有限 公司向专业投资者公开发行公司债券注册的批复》（证监许可〔2026〕288号）。据此批复，公司可以 向专业投资者公开发行面值总额不超过800亿元公司债券。此批复自同意注册之日起24个月内有效，公 司在注册有效期内可以分期发行。 财经频道更多独家策划、专家专栏，免费查阅>> ...

2月26日，杭州银行公告称，国家金融监督管理总局浙江监管局已核准王立雄公司副行长的任职资格。 简历显示，王立雄1972 年11月出生，项目管理硕士，高级经济师。现任杭州银行党委委员。曾任杭州 银行保俶支行行长助理、副行长，公司业务部副总经理、信贷管理部副总经理、授信审批部副总经理 （主持工作），萧山支行行长，公司业务总部总经理、国际业务部总经理，上海分行党委书记、行长， 杭州银行副行长，杭州银行监事长。 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：钟离 ...