【四年来首次企稳回升!二季度银行业净息差环比微升】今年二季度商业银行净息差四年来首次企稳回升。8月14日,金融监管总局发布2026年二季度银行业保险业主要监管指标数据情况,2026年二季度,商业银行净息差为1.41%,较一季度的1.40%上升0.01个百分点。回溯来看,商业银行净息差自2022年一季度跌破2%至1.97%进入下行通道后,行业净息差持续承压。在2025年连续三个季度稳于1.42%后,于2026年一季度进一步下行至1.40%的低位。“这一微幅变化,或意味着净息差自2022年以来持续单边下行的态势进入震荡筑底阶段,也略好于市场此前普遍预期的环比小幅下行的预期。”招联首席经济学家董希淼表示。
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