存款利率上限放开 钱存哪家银行最划算?
自央行24日宣布降息并放开存款利率上限后,存款各银行连夜调整了存贷款利率。利率其中,上限工、放开农、钱存中、行最建、划算交五大行一年期存款利率上浮幅度最小,存款股份制银行上浮幅度较高,利率最高至上浮35%。上限
此次央行放开存款利率浮动上限后,放开并没有调整活期利率。钱存然而,行最在人民财经统计的划算28家银行中,有18家对活期存款利率作出了调整,存款下调的有17家,上调的只有东亚银行一家。
定期利率方面,以一年期为例,工、农行、中、建、交五大行以及招商银行、汇丰银行一年期利率较基准利率上浮16.7%,上浮程度最低,利率皆为1.75%。
在股份制银行方面,北京银行和宁波银行最高,均为2.025%,是在央行基准的基础上上浮了35%。此外,平安银行、民生银行、中信银行、恒丰银行等股份制商业银行较基准利率上浮33.3%左右,存款利率为2%。
央行表示,此次放开商业银行和农村合作金融机构等存款利率上限,标志着我国的利率管制已经基本放开,改革迈出了非常关键的一步,利率市场化进入新的阶段。
“取消存款利率浮动上限是宏观意义上中央银行调控方式、工具和参照系改革的新起点。”央行研究局局长陆磊在接受人民网采访时表示,在未来一段时间内,央行仍然将公布存贷款基准利率,并作为金融机构利率定价的重要参考。
有媒体指出,降息后一年期存款利率为1.5%,而国家统计局公布的2015年8、9月CPI指数分别为2%、1.6%,连续两月出现存款利率跑不过CPI的情况。连续两个月实际CPI高于一年期存款基准利率意味着中国正式进入到“负利率”时代。央行对此回应称,中国尚未面临“零利率”的约束,名义利率水平仍在“零”之上。
“对基准利率的调整除了主要观察CPI的变化外,也要适当参考GDP平减指数等其他物价指数的变化。”央行相关负责人表示,通过统计数据可以看出,GDP平减指数比CPI更低,前三季度GDP平减指数为-0.3%。此外9月份PPI更是同比下降5.9%,已连续43个月为负。因此,随着物价整体水平走低而适当下调基准利率是合理的。
中国人民大学重阳金融研究院客座研究员董希淼指出,活期存款是最便宜的资金来源之一,占比比较大,但也正因此,不同银行有不同策略。在西方国家,美国甚至对存款进行收费,欧洲也有一些国家是负利率。
“因此,某些期限的存款利率下调的可能性不能排除,未来一段时间内,我们可能会走向低利率、零利率甚至负利率的时代。” 董希淼说。
(责任编辑:行业动态)
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