EPISODE · Dec 28, 2023 · 1H 6M
第一百零三期：為啥人行只降存息不降貸息？
from 智本社 · host 清和
為什麽存款利率超預期下調，貸款利率卻未如期下降？主要原因還是為了保障商業銀行凈利差。今年三季度，商業銀行的平均凈利差已低於監管部門的要求如果。此外，如果12月人行下調MLF、LPR，那麽明年1月1日，商業銀行就必須下調存量房貸利率。而存量房貸是銀行最穩健、利潤最豐厚的資產。
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第一百零三期：為啥人行只降存息不降貸息？
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