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民营银行加速“降息”。

在此起彼伏的民营银行降息潮中,许久未出手的民营银行“一哥”微众银行终于现身了。

近日,微众银行公告,该行计划于4月29日起调整个人存款产品年利率,调整后,整存整取定期存款5年期、3年期、2年期、1年期的年利率均为1.60%;大额存单3年期、2年期、1年期、6个月的年利率均为1.60%。

根据该行APP显示,此前整存整取定期存款5年期、3年期、2年期、1年期、6个月、3个月的年利率分别为2%、2%、2%、1.8%、1.60%和1.4%。

也就是说,微众银行5年期、3年期、2年期定期存款均下调了40BP(基点),1年期下调了20BP。

过往的民营银行存款利息调降,通常采用“小步快跑”的方式,即调降幅度小,但频次多。比如,今年以来,就有多家民营银行已两次下调了存款利率,但每次仅下调10BP左右。

如此大幅调息的案例比较少,上一次下调40BP的还是众邦银行,该行自4月1日起,3年期大额存单利率从2.6%调降至2.4%,降幅20BP,5年期大额存单利率从2.9%直降至2.5%,下调40BP。

微众银行此番降息之后,5年期存款利率已经开始逼近国有大行,部分期限存款利率甚至低于股份行。

6家国有行最近一次集体调降存款挂牌利率是在去年10月,下调后,5年期、3年期、2年期、1年期、6个月、3个月的年利率分别为1.55%、1.5%、1.2%、1.1%、1%、0.8%。可以看到,微众银行5年期存款利率和国有行已非常接近。

在股份行中,比如,招商银行2年期存款利率最高上浮至1.7%,高于微众银行。

值得注意的是,4月以来,19家民营银行中已经有13家调降存款利率,且主要指向3年期和5年期的中长期存款产品。多轮下调之后,民营银行与农商行、城商行定期存款之间的利息差也在收窄,存款“高地”的优势逐渐消失。

招联首席研究员、上海金融与发展实验室副主任董希淼在接受记者采访时表示,民营银行吸收存款能力相对较弱,以往普遍以较高利率来吸引客户,因此利率下调的空间相对更大。“下调存款利率、压降负债成本,有助于民营银行保持息差基本稳定,提升稳健发展能力。”他说。

国家金融监管总局发布的数据显示,截至去年四季度,商业银行净息差进一步收窄1BP至1.52%,其中民营银行净息差为4.11%,环比下降2BP,同比则大幅下降28BP。

董希淼认为,下一阶段,在推动社会综合融资成本稳中有降的情况下,商业银行息差收窄压力仍然较大,还将继续下调存款利率,以进一步压降资金成本,减缓息差缩窄的压力。除了下调存款利率之外,商业银行还应减少对存款的利息补贴以及利息之外的费用,进一步压降存款的隐性成本。

热点栏目自选股数据中心行情中心资金流向模拟交易客户端

  心泰医疗(02291)早盘一度涨超28%,昨日复牌收跌逾14%,截至发稿,股价上涨13.86%,现报23港元,成交额1.28亿港元。

  近日,心泰医疗控股股东乐普医疗发布的一份投资者关系活动记录表中提及,心泰今年封堵器类产品预计销售增长目标约为30%,经导管主动脉瓣置换术产品预计销售目标约为人民币2亿元,但能否达成存在不确定性。对此心泰医疗日前公告也指出,其实现存在不确定性并取决于市场情况。

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