银行存款利率低,存银行真的不如买银行股吗?

理财周刊
Dec 08, 2025

从今年11月起,有大量的3年期存款到期,这些存款的利率普遍较高,大银行的利率在3%~3.5%,小银行的利率甚至能达到4%以上。然而,当存款到期后,大家发现,现在的存款利率实在太低了,3年期存款利率普遍低于1.75%,比3年前低了一半。银行股股息率高于是,有人提出了这样的观点,存银行还不如买银行股。根据10月底的数字,有9只银行股的预计股息率高于5%,26只银行股的预计股息率高于4%。远超存款利率的...

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