近期,六大国有银行相继取消五年期大额存单产品,股份制银行、城商行、农商行等各类银行业金融机构也纷纷跟进,缩减三年期、五年期等中长期定期储蓄存款产品,这一现象引发市场广泛关注。金融界银行研究院院长陈国汪指出,背后核心原因是银行业净息差持续收窄,而面对这一行业挑战,不同类型银行正采取差异化应对策略,中小银行则通过资管业务扩容与兼并重组双向发力寻求突破。陈国汪表示,在息差压力下,银行不得不通过调整存款...
Source Link近期,六大国有银行相继取消五年期大额存单产品,股份制银行、城商行、农商行等各类银行业金融机构也纷纷跟进,缩减三年期、五年期等中长期定期储蓄存款产品,这一现象引发市场广泛关注。金融界银行研究院院长陈国汪指出,背后核心原因是银行业净息差持续收窄,而面对这一行业挑战,不同类型银行正采取差异化应对策略,中小银行则通过资管业务扩容与兼并重组双向发力寻求突破。陈国汪表示,在息差压力下,银行不得不通过调整存款...
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