China‘s Big Banks Squeezed by Slimmer Margins
中国大型银行受到利差收窄的挤压
China’s top six state-owned banks have reported record-low net interest margins as the slowing economy and government credit expansion weigh on profits. According to the Financial Times, the average margin dropped to 1.48% by the end of 2023, down from 1.6% in 2022 and above 2% in 2021. The combination of more savers and official pressure to increase lending is squeezing profitability across the sector.
中国六大国有银行的净息差降至历史新低，反映出经济放缓和政府推动放贷的双重压力。根据《金融时报》分析，这些银行的平均净息差在2023年底为1.48%，低于前一年的1.6%，而2021年曾高于2%。这一指标衡量银行通过存贷差获利的能力，如今却被储户增加和政策导向所压缩，严重影响盈利能力。
0
