集体下调！乐清人赶上这趟了吗？
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<span style="outline: 0px;font-size: 16px;" >6月7日下午4点多</span>
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<span style="outline: 0px;font-size: 16px;">杭州的张先生急匆匆赶到</span>
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<span style="outline: 0px;font-size: 16px;">一家国有银行</span>
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<span style="outline: 0px;font-size: 16px;">咨询大额存单利率</span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">“目前还是3.1%，但是没有额度了，</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">这可能是最后一期3.1%利率了，</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">6月8日起，利率就要调整了。”</span></strong></span>
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<span style="font-size: 16px;"><strong style="outline: 0px;letter-spacing: 0.544px;caret-color: var(--weui-BRAND);"><span style="outline: 0px;color: #007aaa;">当客户经理告诉张先生这个消息时</span></strong><br style="outline: 0px;"/></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">张先生忍不住拍大腿</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">“我100万还没上车呢！”</span></strong></span>
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<span style="outline: 0px;font-size: 16px;">6月7日傍晚</span>
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<span style="outline: 0px;font-size: 16px;">潮新闻记者从浙江省内多家国有银行获悉</span>
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<span style="outline: 0px;font-size: 16px;">行里已收到相关通知</span>
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<span style="outline: 0px;font-size: 16px;">6月8日起</span>
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<span style="outline: 0px;font-size: 16px;">正式下调人民币存款利率</span>
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<span style="outline: 0px;font-size: 16px;">其中</span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">活期存款利率下调5个基点、</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">两年期定期存款利率和利率</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">上限下调10个基点</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">三年、五年期定期存款利率和利率</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">上限下调15个基点</span></strong></span>
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<span style="font-size: 16px;outline: 0px;color: #888888;letter-spacing: 0.034em;">图为某国有行昨天新调整的存款利率表<br style="outline: 0px;"/></span>
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<span style="outline: 0px;font-size: 16px;"><strong data-brushtype="text" style="outline: 0px;">100万元存三年相差6000元</strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong data-brushtype="text" style="outline: 0px;">储户感叹痛失3字头利率</strong></span>
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<span style="outline: 0px;font-size: 16px;">早两天，张先生就预感到利率要调整。“近段时间，新闻说全国好几个地方都在下调利率嘛，所以我想赶紧抓住最后机会，谁知道还是晚了一步。”张先生告诉潮新闻记者，<strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">他有一笔70万元的理财是7日才到账，归总好资金想凑齐100万元去存三年期大额存单。“没想到，真的就是晚了一小步。”</span></strong></span>
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<span style="outline: 0px;font-size: 16px;">银行客户经理告诉张先生，7日下午他们行里发了1.2亿元的大额存单额度，但是很紧俏，都是提前和客户经理预约好的。张先生赶到银行时是4点多，额度已经被抢完了。“这恐怕是最后一次三年期3.1%利率的大额存单了，真是遗憾啊！”张先生说。</span>
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<span style="font-size: 16px;"><span style="letter-spacing: 0.578px;text-indent: 2em;">6月8日早上，记者致电多家国有行，</span><strong style="letter-spacing: 0.578px;text-indent: 2em;outline: 0px;"><span style="outline: 0px;color: #007aaa;">均表示大额存单利率已经下调，</span></strong><span style="letter-spacing: 0.578px;text-indent: 2em;">某国有行客户经理告诉记者，这次大额存单下降了20个基点，</span><strong style="letter-spacing: 0.578px;text-indent: 2em;outline: 0px;"><span style="outline: 0px;color: #007aaa;">7日三年期大额存单是3.1%，6月8日已改为2.9%，</span></strong><span style="letter-spacing: 0.578px;text-indent: 2em;">“很多客户都说每次下调利率总是猝不及防，确实是这样，行里7日下午说要下调，我们连夜更换利率，现在柜台已经在执行2.9%的利率了。”</span><br/></span>
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<span style="outline: 0px;font-size: 16px;">另一家国有银行理财经理告诉记者，该行大额存单昨天起调整，<strong style="outline: 0px;"><span style="outline: 0px;color: #007aaa;">三年期大额存单，7日是3.2%，昨天起3.0%，100万元存3年，收益相差6000元。</span></strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong data-brushtype="text" style="outline: 0px;">昨日开始正式下调</strong></span>
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<span style="outline: 0px;font-size: 16px;"><strong data-brushtype="text" style="outline: 0px;">新一轮人民币存款降息来了</strong></span>
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<span style="outline: 0px;font-size: 16px;">除了大额存单引发大家关注外，多家国有银行的活期存款也是昨天开始下调。</span>
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<span style="outline: 0px;font-size: 16px;">据央视新闻客户端消息，工商银行、农业银行、建设银行、中国银行、交通银行和邮储银行昨天分别发布公告，从6月8日起下调存款挂牌利率。其中，活期存款利率从此前的0.25%下调至0.2%。2年期定期存款利率下调至2.05%，3年期定存利率下调至2.45%，5年定期存款利率下调至2.5%。下调幅度分别为5到15个基点不等。三个月、六个月、一年定期存款利率不变。</span>
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<span style="outline: 0px;font-size: 16px;">由于对存款利率上限做出了**，部分银行可做利率上浮的产品也有影响。某国有大行定期存款产品，五年期利率从3.05%降至2.9%，三年期从3%调至2.85%。</span>
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<strong style="font-size: 16px; letter-spacing: 0px; caret-color: red; outline-style: initial;">其他银行可能跟进降息</strong><br/>
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<span style="font-size: 16px;">去年9月以来，国有大行陆续下调人民币存款利率，股份行也持续跟进，今年以来，多家城商行、农商行、村镇银行等中小银行加入调息阵营，纷纷下调存款挂牌利率。此外，通知存款、协定存款利率加点上限也受到**，部分银行下调达55个基点。</span>
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<span style="font-size: 16px;">中金公司研报指出，考虑到4月《合格审慎评估实施办法（2023年修订版）》增加了对存款利率合意调整幅度的考核，预计后续中小银行有望跟进同步下调。假设活期/两年期/三年期/五年期定期存款利率分别下调5bp/10bp/15bp/15bp，估算能节约银行负债成本约1200亿元，正向贡献银行净息差/营收/净利润3bp/1%/3%（年化），其中活期存款占比较高的上市银行更为利好。</span>
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<span style="font-size: 16px;">上述研报认为，此次降息后，未来1-2年存款平均利率仍有约20bp的进一步降息空间（不包括此次降息），主要逻辑基于2020年以来银行**利率已下行超过2017年的低点，而存款利率2020年基本持平，仍高于2017年水平约40bp；其中约15bp为存款定期化的影响，25bp为存款利率上行导致；2020年以来存款利率“刚性”、**利率下行导致银行净息差下降46bp。因此，如果假设存款利率跟随**利率调降，存款利率有望下调25bp回到2017年水平。其中，定期存款和企业活期存款下调空间较大（包括规范协定存款、通知存款、结构性存款、互联网存款等“创新存款产品”）。在此假设下，不考虑存款活期化影响，估算能节约银行负债成本约7000亿元，正向贡献上市银行净息差/营收/净利润17bp/8%/16%。</span>
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<span style="outline: 0px;font-size: 14px;color: #888888;">来源</span><span style="outline: 0px;font-size: 14px;color: #888888;">：台州晚报综合自潮新闻·钱江晚报、央视新闻客户端、澎湃新闻</span>
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