（以下内容从开源证券《银行行业深度报告：存贷节奏错位下的银行配债持续性探讨》研报附件原文摘录）2026年初存贷节奏错位，驱动大型银行配债超季节性大行1月存贷增速差加速向上修复至3.3%，近些年首次升至1%以上；中小行存贷增速差表现平稳，1月小幅上行1.1pct至4.4%，银行整体表现出“存强贷弱”的节奏错位特征。存贷增速差回升有望支撑大行债券投资增速维持高位，2026.01同比增速为18.9%，...
Source Link（以下内容从开源证券《银行行业深度报告：存贷节奏错位下的银行配债持续性探讨》研报附件原文摘录）2026年初存贷节奏错位，驱动大型银行配债超季节性大行1月存贷增速差加速向上修复至3.3%，近些年首次升至1%以上；中小行存贷增速差表现平稳，1月小幅上行1.1pct至4.4%，银行整体表现出“存强贷弱”的节奏错位特征。存贷增速差回升有望支撑大行债券投资增速维持高位，2026.01同比增速为18.9%，...
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