定期存款热度降温 分红型保险成银行力推产品

格隆汇
8 hours ago
据证券日报,“目前,三年期定期存款相较一年期几乎没有明显的收益优势。”这是当下不少储户的直观感受。受存款利率持续下行影响,国有大行的长短期定期存款利率差距已大幅收窄。走访北京多家银行网点发现,分红型终身寿险、分红型年金险等保险产品,已成为理财经理重点推介的主力品类。 苏商银行特约研究员薛洪言表示,定期存款降温、银保业务升温正在重塑银行负债结构与居民储蓄形态。长期定期存款分流有助于银行压降高成本负债、改善净息差,但存款持续迁移也会削弱核心稳定负债,对银行流动性管理、资产负债期限匹配提出更高要求。对居民来说,资金从高流动性存款转向长期保险合约,资产流动性显著下降,需要警惕“存单变保单”的隐性风险。

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