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余额宝们坑惨银行 5万亿货基挖墙脚银行净利流失千亿
2017-09-04 09:50:59 中国经济网
相对高收益货基优势不减
由于货币基金几乎无风险和稳定收益的特征,自然引发普通投资者的强烈追捧。以余额宝为例,其7日年化收益率相对银行活期利率和一年期定存利率均有明显优势,即便当前银行将定期利率上浮,亦难以与货基收益比肩。特别是2017年以来,相对一年期定存2%的收益差值,货币基金自然是吸引了更多的粉丝。
利息收入仍挑大梁
银行收入主要是以利息收入和非利息收入构成,虽然近年来银行业一直强调完善收入结构,扩大非利息收入占比,但从实际情况来看,有一定效果,但利息收入仍然挑大梁。从四大行的非利息收入占比来看,不同银行之间存在着一定的差距,农业银行非息收入占比最低,当前仅占25%左右,其余三大行基本持平,当前维持在33%左右的水平。
银行净息差持续收窄
在利息收入占比并未见明显下滑的情况下,近年来四大行净息差却持续走低。随着普通民众理财意识的增强,及利率市场化的推进,相比于2014年,当前四大行净息差普遍下降了0.7%左右。除中国银行净息差偏低外,其余三大行净息差基本在2.2%左右。
净利润流失近千亿
假设没有货基分食银行存款这块蛋糕,当前4万亿货基的增量回流到银行体系,若以2.2%的净息差计算,将获利880亿,考虑到竞争者的消失净息差的回升,获利将超过千亿。
当然,这一切都只是假设,历史没有如果,虽然银行的盈利相对减少了,但这部分收益最终都回到了普通投资者的口袋,这难道不是最好的结果吗!
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