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2025.06大行个人活期存款同比增速6.9%
2025.06大行个人活期存款同比增速6.9%
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所属报告:
银行行业深度报告:资负结构转化中的银行利率风险重估-250724(55页).pdf
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相关数据
2025年银行活期存款占比提升
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行业数据
2026-07-01
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非银/活期存款增速与存单期限利差(单位:%,bp)
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行业数据
2026-03-05
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24年以来个人活期存款规模增速持续提升
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市场规模
2026-02-02
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上市银行活期存款占比变化幅度(25Q2相对24Q4)
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行业数据
2025-12-30
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图表5.2025年10月活期存款环比增速较9月下行,定期
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行业数据
2025-11-17
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2025年以来居民超额活期存款波动较小
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行业数据
2025-09-22
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农业银行个人活期存款占比为可比同业之首(2025上半年末)
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行业数据
2025-09-17
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24A末A股上市股份行企业及个人活期存款在总存款占比
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行业数据
2025-08-20
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2008年次贷危机后,美国活期存款不断增长,定期存款持续下降(亿美元,季调)
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行业数据
2025-08-11
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摩根大通2009-2014年活期存款占比提升
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行业数据
2025-08-11
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2009-2020年德国低利率时期,全部银行的负债中一般性活期存款比例逐年提升
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行业数据
2025-08-11
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2024年末中信银行日均对公活期存款在日均总存
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行业数据
2025-06-30
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上市银行2024年对公活期存款增速及占比
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行业数据
2025-04-21
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上市银行2024年零售活期存款增速及占比
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行业数据
2025-04-21
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全球全年龄段奶粉市场规模(亿美元)
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行业数据
2026-07-30
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全球酸奶及发酵乳制品市场规模(亿美元)
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2026-07-30
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(1)活期存款增长较慢。银行账簿利率风险主要有重定价风险、基差风险、收益率曲线风险和期权风险四种典型的表现形式,其中期权风险指利率变化时客户行使隐含在银行资产负债表业务中的期权给银行造成损失的可能性。在近年存款不断降息的背景下,客户对储蓄的偏好和选择权会有调整,比如存款利率下调前夕,居民提前存入长期限定存锁定高收益,这一定程度上也推动存款定期化的趋势。截至2025.06,大行个人定期存款同比增长 15.9%,增速显著高于个人活期存款(yoy +6.9%)。
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银行行业深度报告:资负结构转化中的银行利率风险重估-250724(55页).pdf
2026年银行利率风险行业报告:资负期限错配加重,大行△EVE逼近15%上限
上市银行配置盘各账户投资分期限增减情况:2024H2国有行FVOCI增配1-5年,AC增配5年以上(亿元)
上市银行投资结构以持有长期限政府债到期为主,国有行剩余期限5年以上投资占比40%(2024年,亿元)
央行2023-2025年多次提及硅谷银行及中小银行利率风险问题
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