□徐兵在净息差持续收窄的大背景下,银行业正经历一场静悄悄的转型。过去靠高利率“抢存款”的时代正在淡出舞台,取而代之的是更精细、更克制的负债管理逻辑。表面上是降息潮,实质上是银行业向精算化、分层化运营的一次深度调整。今年以来,多家中小银行陆续下调存款利率,部分三年期产品甚至跌至“1字头”。与此同时,一些股份行和农商行却悄然启动年末“揽储冲刺”,通过红包、积分、专属利率等方式稳住资金。看似矛盾的操作,...
Source Link□徐兵在净息差持续收窄的大背景下,银行业正经历一场静悄悄的转型。过去靠高利率“抢存款”的时代正在淡出舞台,取而代之的是更精细、更克制的负债管理逻辑。表面上是降息潮,实质上是银行业向精算化、分层化运营的一次深度调整。今年以来,多家中小银行陆续下调存款利率,部分三年期产品甚至跌至“1字头”。与此同时,一些股份行和农商行却悄然启动年末“揽储冲刺”,通过红包、积分、专属利率等方式稳住资金。看似矛盾的操作,...
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