净息差集体企稳 存款降息“托底”能撑多久?

中国经营报
Sep 01

日前,六大行2026年半年报全部出炉,市场关注的净息差集体企稳。拆解各行业绩发布会,息差企稳的主要驱动力是存款降息。  不过,工商银行行长刘珺坦言,随着存量定期存款到期量削减和新老产品利差收窄,“重定价红利对息差的支撑效应也会逐步减弱”。下半年净息差是延续企稳还是重回下行通道,取决于银行能否在“量价险”之间找到新的平衡。  负债端集中“减负” 存款重定价红利集中释放  从各行披露的数据看,净息差...

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