0.01个百分点的信号,银行业净息差迎来阶段性修复

智通财经
Aug 18
【0.01个百分点的信号,银行业净息差迎来阶段性修复】日前,国家金融监督管理总局发布的2026年二季度银行业保险业主要监管指标数据显示,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,是自2022年以来首次单季环比上升。但不同类型银行走势分化,其中国有大行、城商行、农商行、民营银行二季度净息差实现环比上行,股份行环比持平,外资银行环比下降。 业内人士分析,本轮息差企稳的核心动力来自负债端:存量高息存款集中到期重定价,叠加银行主动优化负债结构,有效压降了付息成本。在监管引导下,利率自律机制发挥作用,遏制信贷利率非理性降价竞争,助力稳定资产端定价,托举净息差。

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