中小银行开始下架长期限定期存款产品，五年期存款产品首见“下架”

\u003cdiv class=\"rich_media_content\"\u003e\u003c!--NO_AD_ERROR_8--\u003e\u003csection\u003e人民财��日电，继存款利率倒挂、“长存利少”后，为深入调整负债结构，有中小银行开始下架了长期限定期存款产品。未来，还会有更多银行跟进调整长期限存款产品吗？对此，多位业内人士表示，当前银行净息差仍有下行趋势，商业银行确有负债成本管控需要，不排除有更多的长期限存款产品纳入调整范围。据证券时报记者了解，土右旗蒙银村镇银行是业内首家取消五年期定期存款产品的商业银行。业内人士表示，此举是银行息差下行压力在产品端的直接传导。招联首席研究员、上海金融与发展实验室副主任董希淼表示，从近日公布的上市银行三季报看，上市银行净息差仍然继续下降。净息差下降的主要原因是，银行加大向\u003c!--VERTICAL_CARD_BEGIN_0--\u003e实体经济\u003c!--VERTICAL_CARD_END_0--\u003e减费让利的力度，\u003c!--VERTICAL_CARD_BEGIN_1--\u003eLPR\u003c!--VERTICAL_CARD_END_1--\u003e已多次下降。未来一段时间，在推动社会综合融资成本稳中有降的情况下，银行净息差可能还会下降，但降幅可能趋缓。\u003c!--NO_AD_0--\u003e\u003c!--NO_AD_1--\u003e\u003c!--NO_AD_2--\u003e\u003c!--NO_AD_3--\u003e\u003c!--NO_AD_4--\u003e\u003c!--EOP_0--\u003e\u003c!--EOP_1--\u003e\u003c!--EOP_2--\u003e\u003c!--EOP_3--\u003e\u003c!--EOP_4--\u003e\u003c/section\u003e\u003c!--PARAGRAPH_4--\u003e\u003c!--PARAGRAPH_3--\u003e\u003c!--PARAGRAPH_2--\u003e\u003c!--PARAGRAPH_1--\u003e\u003c!--PARAGRAPH_0--\u003e\u003cstyle\u003e.rich_media_content{--news-tabel-th-night-color: #444444;--news-font-day-color: #333;--news-font-night-color: #d9d9d9;--news-bottom-distance: 22px}.rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.rich_media_content{color:var(--news-font-day-color);font-size:18px}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content{color:var(--news-font-night-color)}}.data_color_scheme_dark .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.data_color_scheme_dark .rich_media_content{color:var(--news-font-night-color)}.data_color_scheme_dark .rich_media_content{font-size:18px}.rich_media_content p[data-exeditor-arbitrary-box=image-box]{margin-bottom:11px}.rich_media_content\u003ediv:not(.qnt-video),.rich_media_content\u003esection{margin-bottom:var(--news-bottom-distance)}.rich_media_content hr{margin-bottom:var(--news-bottom-distance)}.rich_media_content .link_list{margin:0;margin-top:20px;min-height:0!important}.rich_media_content blockquote{background:#f9f9f9;border-left:6px solid #ccc;margin:1.5em 10px;padding:.5em 10px}.rich_media_content blockquote p{margin-bottom:0!important}.data_color_scheme_dark .rich_media_content blockquote{background:#323232}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content blockquote{background:#323232}}.rich_media_content ol[data-ex-list]{--ol-start: 1;--ol-list-style-type: decimal;list-style-type:none;counter-reset:olCounter calc(var(--ol-start,1) - 1);position:relative}.rich_media_content ol[data-ex-list]\u003eli\u003e:first-child::before{content:counter(olCounter,var(--ol-list-style-type)) '. ';counter-increment:olCounter;font-variant-numeric:tabular-nums;display:inline-block}.rich_media_content ul[data-ex-list]{--ul-list-style-type: circle;list-style-type:none;position:relative}.rich_media_content ul[data-ex-list].nonUnicode-list-style-type\u003eli\u003e:first-child::before{content:var(--ul-list-style-type) ' ';font-variant-numeric:tabular-nums;display:inline-block;transform:scale(0.5)}.rich_media_content ul[data-ex-list].unicode-list-style-type\u003eli\u003e:first-child::before{content:var(--ul-list-style-type) ' ';font-variant-numeric:tabular-nums;display:inline-block;transform:scale(0.8)}.rich_media_content ol:not([data-ex-list]){padding-left:revert}.rich_media_content ul:not([data-ex-list]){padding-left:revert}.rich_media_content table{display:table;border-collapse:collapse;margin-bottom:var(--news-bottom-distance)}.rich_media_content table th,.rich_media_content table td{word-wrap:break-word;border:1px solid #ddd;white-space:nowrap;padding:2px 5px}.rich_media_content table th{font-weight:700;background-color:#f0f0f0;text-align:left}.rich_media_content table p{margin-bottom:0!important}.data_color_scheme_dark .rich_media_content table th{background:var(--news-tabel-th-night-color)}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content table th{background:var(--news-tabel-th-night-color)}}.rich_media_content .qqnews_image_desc,.rich_media_content p[type=om-image-desc]{line-height:20px!important;text-align:center!important;font-size:14px!important;color:#666!important}.rich_media_content div[data-exeditor-arbitrary-box=wrap]:not([data-exeditor-arbitrary-box-special-style]){max-width:100%}.rich_media_content .qqnews-content{--wmfont: 0;--wmcolor: transparent;font-size:var(--wmfont);color:var(--wmcolor);line-height:var(--wmfont)!important;margin-bottom:var(--wmfont)!important}.rich_media_content .qqnews_sign_emphasis{background:#f7f7f7}.rich_media_content .qqnews_sign_emphasis ol{word-wrap:break-word;border:none;color:#5c5c5c;line-height:28px;list-style:none;margin:14px 0 6px;padding:16px 15px 4px}.rich_media_content .qqnews_sign_emphasis p{margin-bottom:12px!important}.rich_media_content .qqnews_sign_emphasis ol\u003eli\u003ep{padding-left:30px}.rich_media_content .qqnews_sign_emphasis ol\u003eli{list-style:none}.rich_media_content .qqnews_sign_emphasis ol\u003eli\u003ep:first-child::before{margin-left:-30px;content:counter(olCounter,decimal) ''!important;counter-increment:olCounter!important;font-variant-numeric:tabular-nums!important;background:#37f;border-radius:2px;color:#fff;font-size:15px;font-style:normal;text-align:center;line-height:18px;width:18px;height:18px;margin-right:12px;position:relative;top:-1px}.data_color_scheme_dark .rich_media_content .qqnews_sign_emphasis{background:#262626}.data_color_scheme_dark .rich_media_content .qqnews_sign_emphasis ol\u003eli\u003ep{color:#a9a9a9}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content .qqnews_sign_emphasis{background:#262626}body:not([data-weui-theme=light]):not([dark-mode-disable=true]) .rich_media_content .qqnews_sign_emphasis ol\u003eli\u003ep{color:#a9a9a9}}.rich_media_content h1,.rich_media_content h2,.rich_media_content h3,.rich_media_content h4,.rich_media_content h5,.rich_media_content h6{margin-bottom:var(--news-bottom-distance);font-weight:700}.rich_media_content h1{font-size:20px}.rich_media_content h2,.rich_media_content h3{font-size:19px}.rich_media_content h4,.rich_media_content h5,.rich_media_content h6{font-size:18px}.rich_media_content li:empty{display:none}.rich_media_content ul,.rich_media_content ol{margin-bottom:var(--news-bottom-distance)}.rich_media_content div\u003ep:only-child{margin-bottom:0!important}.rich_media_content .cms-cke-widget-title-wrap p{margin-bottom:0!important}\u003c/style\u003e\u003c/div\u003e

【纠错】【责任编辑:双变向后撤步】

深度观察

新华全媒头条丨深追踪丨日高官为何鼓吹“拥核”？专家：对美施压，牵制中美关系走近