交行存款先涨息国有五大行“利率同盟”瓦解?

Bocom deposit first to raise rates five big state-owned lines the disintegration rate alliance?

Recently, bank of communications in some provinces and municipalities across the risen each term deposit interest rate, one-year deposit rate is 3.3%, the one-year deposit rate is 4.125%, three-year deposit rate is 4.675%, the 5-year deposit rate is 5.225%, 10% higher than compared with the central bank's benchmark interest rates across the board. Bocom to had an interview with reporters yesterday in our province, sources said, hebei now temporary not to rise, the deposit rate will remain the central bank's benchmark interest rate.

Bocom hebei not to rise

Sources told reporters yesterday in hebei branch, head office, the release of the New Deal gave the bank branches to choose, can deposits around the combination of the actual situation of the market to decide whether to float, but our province at present temporarily not to rise.

At the same time, the reporter also learned that is in has a "New Deal", bocom has also made it clear that only new capital can also enjoy 10% higher deposit rates, and the need to provincial branch of the examination and approval. "General approval, though, no problem, 2 ~ 3 hours." , and at the same time, is said to be the preferential interest rates every day there is a limit, quota is full no longer approval, but there is no definite stopping time of examination and approval.

Signal action led the market attention

While the bank is not a "one size fits all" across the country on deposit interest rates rise, but the signal is still concerned deeply by the market.

At present, our province four other big state-owned Banks - in industry, agriculture, and built a one-year fixed deposit interest rates are 3.25% and 3% compared with the central bank's benchmark interest rates to rise 8.3%, while the two-year and three-year and five-year deposit interest rates are to carry out the central bank benchmark interest rate. "We temporarily have no plan to adjust interest rates," a big, state-owned bank customer manager, said in a short period of time still perform the current interest rates.

Reporters calculated brushstroke zhang, now save one year time deposit of 100000 yuan, existing execution bank central bank benchmark interest rate, income of $3000 a year; Existence of workers and peasants build state-owned big rows, the income of 3250 yuan; Execution, such as bocom, 1.1 times the interest rate of bank earnings of 3300 yuan. Different bank interest biggest difference of 300 yuan. And 10 Wan Yuancun five years on a regular basis, different bank income difference is as high as 2375 yuan. "After the bank deposit interest rates to rise, the five line 'interest rates on the tacit understanding between face collapse," at a joint-stock bank insiders pointed out that the central bank twice cut interest rates last year, and the deposit rate floating range from 0-1 times that of the adjustment of 0-1.1 times, in the establishment of diplomatic ties between China and the five lines of workers and peasants to adjust the size of deposit rates are consistent pace, while the bank is across the buoyancy the term deposit interest rates alone, first, after the "ice breaking" five lines of "tacit understanding interest rates".

According to the source, usually five lines of deposit interest rates more and lower portion of the joint-stock Banks, city firms due to low deposit rates, five lines of deposits widespread erosion, while larger bank deposit interest rates to rise amplitude for more deposit, to get a lot of deposits, five line of internal differentiation and even across the raise deposit rates. In addition, there are about a month of time will usher in the end of the first quarter of the LDR, bocom also raise deposit interest rates are also preparing for "deposits" in advance.

Do not rule out other Banks to follow up

Learned, now part of small and medium-sized joint-stock Banks and hebei city commercial Banks the term deposit rates are based on the benchmark interest rate to rise to the top, and as the disintegration of the five lines of "alliance" interest rates, and at the end of the first quarter of the LDR review deadline coming, competition within the banking system will increase further, and to improve the competitiveness, scramble for deposits and other parts of the big four state-owned Banks or joint-stock Banks also will then rise some deposit rates.

But in the point in time may differ, every bank is different, for when will follow up, follow up the strength of the how much, every bank must make a concrete analysis. Because each bank branch, branch, the ability to absorb deposits and so on are not exactly the same, so I think that bocom action does not necessarily cause the other four big bank immediately follow up, Banks will be according to their own situation to decide whether to follow up the problem. "In strong loan growth and deposit growth under double pressures, if there is deposit interest rates to rise this method is not used, Banks will consider, because this is the simplest one way to supplement core capital." At the beginning of the industry insiders said, in addition, all is not gain that is put on the loan is higher loan, even if the deposit interest rates to rise, the interest can also get to cover part of the deposit interest rates to rise.

In the first quarter credit capacity to deposit-taking support

The bank deposit interest rates to rise, at the beginning of the year, according to the law in terms of its position should be more ample, the New Deal seems a little inappropriate. But industry insiders told our reporter, the background is the volume of credit since January.

According to the latest figures released by the central bank, in new loans in January of 1.07 trillion yuan, compared with more than 334 billion yuan, or annulus compared to whether it will be showed a rising trend, but there are new news that is not over 2 month credit also "savage", the workers and peasants build on February 17 days before the big four state-owned Banks lending has been as high as 250 billion yuan, much higher than 180 billion yuan in February last year full month level.

Analysts in the province, with the surge of new credit, the lending in the first quarter, the situation will tend to be more fierce, lead to the LDR pressure rise. And the China banking regulatory commission, the commercial bank loan-deposit ratio should not exceed 75%. In about a month of time will be the end of the first quarter of the LDR, Banks shall not don't want to get the deposit.