长期存款退潮,银行断腕降成本,储户告别吃息“躺赚”

大河财立方
Nov 29, 2025

【大河财立方 记者 杨萨】近期,六大国有银行下架五年期大额存单,多家中小银行取消五年期整存整取产品,民营银行同步跟进下架相关业务,部分机构甚至阶段性停售所有期限存款。金融监管总局数据显示,2025年二季度和三季度商业银行净息差降至1.42%的低位。叠加利率市场化深化,银行负债结构优化进入“深水区”。存款利率不断下探背景下,储户资产配置需求正在发生变化。央行《2025年第三季度城镇储户问卷调查报告》...

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