【净息差持续探底 中小银行直面盈利考验】0.98%,这是哈尔滨银行今年上半年的净息差数据。净息差是评价商业银行生息资产收益能力和风险定价能力的关键指标,当净息差绝对水平较低时,银行的盈利能力面临严峻考验。事实上,在二季度银行业整体净息差企稳回升的大背景下,包括哈尔滨银行在内的部分中小银行净息差水平难言乐观。这类银行往往具有负债端成本较高、资产端再投资压力较大的特点。何时才能看到这些中小银行的净息差企稳回升?业内人士尚无明确答案。对此,专家建议,上述中小银行应从负债端和资产端寻找答案,争取低成本负债,培育特色产品,取得合理定价能力;同时,在中间业务上多下功夫,增加非息收入规模。
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