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大额存单有助于降低融资成本

来源: 南方日报网络版     时间: 2019年04月19日 15:39:25
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(  6月)(2日)(,央)(行)(发)(布)(了)(《大)(额)(存)(单)(管)(理)(暂)(行)(办)(法)(》,即)(日)(起)(实)(行)(,1996年)(发)(布)(的)(《大)(额)(可)(转)(让)(定)(期)(存)(单)(管)(理)(办)(法)(》同)(时)(废)(止)(。前)(后)(两)(个)(办)(法)(最)(大)(的)(区)(别)(,是)(确)(定)(利)(率)(的)(方)(式)(不)(同)(。旧)(办)(法)(规)(定)(,大)(额)(可)(转)(让)(定)(期)(存)(单)(的)(利)(率)(由)(中)(国)(人)(民)(银)(行)(制)(定)(;而)(新)(办)(法)(则)(规)(定)(,大)(额)(存)(单)(发)(行)(利)(率)(以)(市)(场)(化)(方)(式)(确)(定)(。也)(因)(如)(此)(,新)(办)(法)(规)(定)(的)(门)(槛)(比)(较)(高)(,个)(人)(投)(资)(人)(认)(购)(大)(额)(存)(单)(起)(点)(金)(额)(不)(低)(于)(30万)(元)(。这)(体)(现)(了)(存)(款)(利)(率)(市)(场)(化)(“先)(大)(额)(后)(小)(额)(”的)(基)(本)(思)(路)(,是)(利)(率)(市)(场)(化)(的)(重)(要)(一)(步)(。  大)(额)(存)(单)(的)(发)(行)(利)(率)(完)(全)(市)(场)(化)(,不)(像)(其)(他)(银)(行)(存)(款)(那)(样)(受)(到)(1.5倍)(基)(准)(利)(率)(上)(限)(的)(限)(制)(,这)(使)(银)(行)(可)(以)(更)(加)(灵)(活)(,银)(行)(存)(款)(相)(对)(于)(理)(财)(产)(品)(的)(劣)(势)(会)(有)(所)(减)(弱)(。  这)(些)(年)(,理)(财)(产)(品)(发)(展)(得)(很)(快)(,它)(们)(的)(收)(益)(率)(远)(高)(于)(存)(款)(利)(率)(,使)(银)(行)(存)(款)(对)(很)(多)(投)(资)(人)(失)(去)(了)(吸)(引)(力)(。尤)(其)(是)(银)(行)(理)(财)(产)(品)(和)(“宝)(类)(”理)(财)(产)(品)(,与)(银)(行)(存)(款)(非)(常)(相)(似)(,但)(收)(益)(率)(却)(高)(得)(多)(。根)(据)(中)(国)(银)(行)(业)(协)(会)(的)(报)(告)(,2014年)(末)(银)(行)(业)(理)(财)(资)(金)(余)(额)(达)(到)(15.02万)(亿)(元)(,同)(比)(增)(长)(46.68%。与)(之)(形)(成)(鲜)(明)(对)(比)(的)(是)(,2014年)(末)(的)(人)(民)(币)(存)(款)(余)(额)(同)(比)(仅)(增)(长)(9.1%,今)(年)(以)(来)(存)(款)(仍)(然)(是)(低)(增)(长)(。存)(款)(余)(额)(低)(增)(长)(有)(多)(方)(面)(的)(原)(因)(,例)(如)(外)(汇)(占)(款)(低)(增)(长)(甚)(至)(负)(增)(长)(,但)(理)(财)(产)(品)(的)(替)(代)(作)(用)(无)(疑)(是)(不)(容)(忽)(视)(的)(原)(因)(之)(一)(。  根)(据)(《大)(额)(存)(单)(管)(理)(暂)(行)(办)(法)(》,大)(额)(存)(单)(是)(一)(般)(性)(存)(款)(,但)(它)(的)(利)(率)(可)(以)(比)(其)(他)(存)(款)(更)(高)(,因)(而)(具)(有)(更)(强)(的)(竞)(争)(力)(。相)(对)(于)(封)(闭)(式)(的)(银)(行)(理)(财)(产)(品)(,大)(额)(存)(单)(具)(有)(流)(动)(性)(更)(好)(的)(优)(势)(,它)(可)(以)(转)(让)(、提)(前)(支)(取)(和)(赎)(回)(。2014年)(,封)(闭)(式)(银)(行)(理)(财)(产)(品)(的)(平)(均)(收)(益)(率)(略)(高)(于)(5%,而)(开)(放)(式)(理)(财)(产)(品)(的)(平)(均)(收)(益)(率)(低)(于)(4%。如)(果)(大)(额)(存)(单)(的)(发)(行)(利)(率)(高)(于)(一)(年)(期)(存)(款)(基)(准)(利)(率)(的)(1.5倍)(,其)(利)(率)(也)(能)(接)(近)(3.5%,与)(开)(放)(式)(理)(财)(产)(品)(相)(差)(不)(大)(。而)(且)(,理)(财)(产)(品)(有)(损)(失)(本)(金)(的)(风)(险)(,而)(大)(额)(存)(单)(受)(存)(款)(保)(险)(保)(障)(。这)(样)(比)(较)(的)(话)(,大)(额)(存)(单)(与)(银)(行)(理)(财)(产)(品)(各)(有)(优)(势)(。银)(行)(发)(行)(大)(额)(存)(单)(可)(以)(使)(一)(部)(分)(投)(资)(者)(将)(理)(财)(产)(品)(转)(为)(银)(行)(存)(款)(,有)(利)(于)(银)(行)(存)(款)(的)(增)(长)(。  大)(额)(存)(单)(的)(利)(率)(高)(于)(其)(他)(存)(款)(,会)(使)(银)(行)(负)(债)(的)(成)(本)(提)(高)(,进)(而)(可)(能)(推)(动)(贷)(款)(利)(率)(上)(升)(。但)(如)(果)(全)(面)(地)(考)(虑)(,发)(行)(大)(额)(存)(单)(对)(降)(低)(社)(会)(融)(资)(成)(本)(具)(有)(积)(极)(意)(义)(。相)(对)(于)(其)(他)(渠)(道)(,存)(款)(是)(低)(成)(本)(的)(资)(金)(来)(源)(,虽)(然)(大)(额)(存)(单)(利)(率)(比)(其)(他)(存)(款)(高)(,但)(仍)(然)(会)(低)(于)(理)(财)(产)(品)(,如)(果)(一)(部)(分)(理)(财)(产)(品)(转)(变)(为)(大)(额)(存)(单)(,社)(会)(融)(资)(成)(本)(总)(体)(上)(将)(下)(降)(。  当)(然)(,我)(们)(也)(不)(能)(冀)(望)(大)(额)(存)(单)(就)(能)(改)(变)(目)(前)(融)(资)(贵)(的)(局)(面)(,这)(种)(局)(面)(并)(不)(是)(完)(全)(由)(于)(利)(率)(市)(场)(化)(程)(度)(不)(高)(造)(成)(的)(,所)(以)(利)(率)(市)(场)(化)(的)(推)(进)(也)(不)(一)(定)(就)(能)(带)(来)(根)(本)(性)(的)(好)(转)(。另)(外)(,考)(虑)(到)(存)(款)(利)(率)(上)(限)(提)(升)(到)(1.5倍)(之)(后)(,很)(多)(银)(行)(并)(未)(用)(足)(上)(浮)(幅)(度)(,它)(们)(发)(行)(大)(额)(存)(单)(的)(利)(率)(可)(能)(也)(会)(在)(1.5倍)(以)(下)(。因)(此)(,大)(额)(存)(单)(虽)(意)(义)(重)(大)(,但)(其)(作)(用)(仍)(有)(待)(观)(察)(。
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