招行:存量房貸利率調整勢在必行
招商銀行(03968.HK)行長助理彭家文表示,LPR貸款利率存在下調空間,存量房貸利率的調整很大機會要實施,可能對淨息差造成壓力,招行已經制定相應預案,但未有最終方案。
彭家文在中期業績交流會上表示,在存款利率市場化的機制下,商業銀行自發下調存款利率勢在必行,招行會在人行的指導下,按照市場化的原則,穩妥推進實施存量房貸利率調整。他認爲需要兼顧很多因素,例如兼顧「因城施策」和公平性、銀行系統支持等問題,各個城市、各個分行不一樣,很多客戶的情況不一樣,所有的情況都要考慮到。
另外,行長助理鍾德勝表示,下半年隨着國家一系列穩增長政策陸續落地,以及在市場發揮作用,企業存款定期化的趨勢,應該會逐步得到緩解和改善。
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