短期揽储 中小银行逆势“加息”

经济参考报
Feb 10

2026年伊始,当国有大型银行持续收缩长期高息存款产品时,一场由中小银行主导的存款利率“逆势上调”悄然发生。从浙江嘉善到陕西商南,多家农商行密集上调了1年至3年期的定期存款利率,幅度多在10至20个基点;同时,大额存单市场也迎来发行热潮,农商行成为绝对主力。 专家表示,这一看似与市场整体利率下行趋势相悖的举动,并非行业战略转向的信号。在银行业净息差普遍承压、货币政策维持适度宽松的大背景下,这更像是...

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