内容提要近期对全国16家上市商业银行和重庆4家地方法人银行调研后发现,2022年以来,银行存款利率曲线出现扁平化现象,即中长期存款利率下降幅度大于短期存款利率,少数银行甚至出现利率期限结构倒挂现象。文章分析了这一现象形成的原因及相关影响,指出需合理引导市场预期和银行利率定价行为,防范利率风险衍生的银行资产负债期限错配及通缩强化等宏观经济金融风险。一、存款利率曲线趋于扁平化,银行对长期存款偏好减弱(...
Source Link内容提要近期对全国16家上市商业银行和重庆4家地方法人银行调研后发现,2022年以来,银行存款利率曲线出现扁平化现象,即中长期存款利率下降幅度大于短期存款利率,少数银行甚至出现利率期限结构倒挂现象。文章分析了这一现象形成的原因及相关影响,指出需合理引导市场预期和银行利率定价行为,防范利率风险衍生的银行资产负债期限错配及通缩强化等宏观经济金融风险。一、存款利率曲线趋于扁平化,银行对长期存款偏好减弱(...
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