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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
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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所属报告:
银行业路径、规模与海外镜鉴:低利率下的居民“存款搬家”及财富配置-250807(36页).pdf
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图1、20世纪90年代以来美国主要经历四段低利率阶段
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图1、20世纪90年代后日本开启了长达三十余年的低利率周期
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2022年以来,美联储结束极低利率周期,中银
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行业数据
2026-03-17
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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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次贷危机后美国较长时间维持低利率环境
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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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广义财政(一般公共预算+政府性基金预算)收支差额(亿元)
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行业数据
2025-12-30
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图1.4:2024年河南省一般公共预算收入、政府性基金收入及国有资本经营收入排名
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行业数据
2025-12-23
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2024年按地区划分的活期账户开户渠道1及新增存款来源2(%)
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行业数据
2025-12-23
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低利率环境下,美国寿险机构拉长久期
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行业数据
2025-12-11
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行业数据
2025-12-08
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行业数据
2025-11-18
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2025-11-17
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德国低利率时期亦呈现明显的“存款活期化”特征。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,在负债端的比例从 16.42%升至 36.11%,占比接近翻倍。而原先占比较大的同业定期存款占比快速下降,同时同业活期存款也小幅上升,体现了明显的“存款活期化”特征。
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银行业路径、规模与海外镜鉴:低利率下的居民“存款搬家”及财富配置-250807(36页).pdf
2026年居民财富配置行业报告:存款搬家与低利率,理财基金2-3万亿增量趋势
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预计超额储蓄到期叠加居民资产再配置,有望带动理财、基金2025-2030年每年分别增长2~3万亿元(亿元)
按照2025-2030年居民金融资产年增速为7.4%计算各类资产每年增量(亿元)
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