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2013年10月份一个月,银行储蓄就净流出4027亿元,11月存款增加5472亿元,其中居民新增存款仅为940亿元,增速同比降0.3个百分点。过去的一年,对于我国银行业来说是充满变幻的一年。一方面,新一届领导班子一上台就提出稳健的货币政策,紧接央行就提出要利率市场化改革,旋即取消了贷款利率下限;而另一方面,随着互联网金融的崛起,众多互联网公司涉足金融服务,也为银行业带来巨大挑战。对此业界人士一致认为,银行业“躺着赚钱”的日子一去不复返。
In the first month of October 2013, the bank net outflow of 403.7 billion yuan of savings, deposits increased 547.2 billion yuan in November, of which residents new deposits of only 94 billion yuan, down 0.3 percentage points year on year growth rate. The past year was a year full of changes for the banking industry in our country. On the one hand, as soon as the new leadership takes power, he proposes a prudent monetary policy. Immediately after the central bank proposed the market-oriented interest rate reform, the lower limit of lending rate was immediately abolished. On the other hand, with the rise of Internet finance, many Internet companies Involved in financial services, but also bring great challenges for the banking industry. This industry consensus that the banking industry, “lying down to make money” days gone.