EPISODE · Apr 13, 2026 · 14 MIN
存款利率一降再降，部分产品利率迈入“0字头”，钱继续存银行还是投资股市楼市？
from 亮眼看财经
存款利率一降再降，部分产品利率迈入“0字头”，钱继续存银行还是投资股市楼市？国有大行的定期存款、大额存单利率已集中步入“1时代”，部分产品利率已经迈入“0字头”。从国有大行到股份行，再到中小银行，存款利率处于一降再降的状态，目前还没有一个明确性的见底信号。截至2025年四季度末，国内商业银行的净息差为1.42%，但该净息差已经持续三个季度的时间，从反映出国内商业银行净息差已经有初步触底的迹象。一方面是存款利率持续下降，另一方面是企业贷款意愿、房地产投资需求持续低迷，由此导致银行净息差持续处于低位水平。接下来，需要持续观察国内通胀率的变化、企业贷款意愿的提升预期以及房地产投资意愿的回暖预期等。钱继续存银行还是投资股市楼市？在这一期节目中，将会为大家进行深入解读。在小宇宙查看该单集文稿
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存款利率一降再降，部分产品利率迈入“0字头”，钱继续存银行还是投资股市楼市？
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