□ 大河财立方 记者徐兵据媒体报道，近期，多家银行密集下调存款利率，三年期、五年期产品降幅最高达80个基点，“存三年不如存一年”的倒挂现象越来越普遍。有客户经理透露，三年期存款利率将降至2.1%，不少储户赶在22日调降前抢存。从中小银行到国有大行，一连串降息动作，释放出银行负债端收紧的明确信号。表面看，存款利率下调是被动应对；深层看，是银行对利率走势的主动押注。市场普遍预期年内仍有降息、降准空间，...
Source Link□ 大河财立方 记者徐兵据媒体报道，近期，多家银行密集下调存款利率，三年期、五年期产品降幅最高达80个基点，“存三年不如存一年”的倒挂现象越来越普遍。有客户经理透露，三年期存款利率将降至2.1%，不少储户赶在22日调降前抢存。从中小银行到国有大行，一连串降息动作，释放出银行负债端收紧的明确信号。表面看，存款利率下调是被动应对；深层看，是银行对利率走势的主动押注。市场普遍预期年内仍有降息、降准空间，...
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