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5Y国债综合收益率VS一般贷款收益率
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<table border="1" cellspacing="0" cellpadding="5">
    <thead>
        <tr>
            <th rowspan="2">银行</th>
            <th colspan="5">存量同业存单平均利率（%）</th>
            <th>加权平均发行利率(%)</th>
            <th colspan="5">存量同业存单剩余期限-年</th>
        </tr>
        <tr>
            <th>本期末</th>
            <th>2025Q3</th>
            <th>2025H1</th>
            <th>2025Q1</th>
            <th>2024A</th>
            <th>近1月</th>
            <th>本期末</th>
            <th>2025Q3</th>
            <th>2025H1</th>
            <th>2025Q1</th>
            <th>2024A</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>工商银行</td>
            <td>1.73</td>
            <td>1.75</td>
            <td>1.81</td>
            <td>1.89</td>
            <td>2.00</td>
            <td>1.64</td>
            <td>0.94</td>
            <td>0.94</td>
            <td>0.90</td>
            <td>0.84</td>
            <td>0.86</td>
        </tr>
        <tr>
            <td>建设银行</td>
            <td>1.70</td>
            <td>1.71</td>
            <td>1.79</td>
            <td>1.96</td>
            <td>2.02</td>
            <td>1.57</td>
            <td>0.79</td>
            <td>0.79</td>
            <td>0.76</td>
            <td>0.81</td>
            <td>0.93</td>
        </tr>
        <tr>
            <td>农业银行</td>
            <td>1.69</td>
            <td>1.72</td>
            <td>1.81</td>
            <td>1.93</td>
            <td>1.98</td>
            <td>1.61</td>
            <td>0.74</td>
            <td>0.77</td>
            <td>0.82</td>
            <td>0.80</td>
            <td>0.91</td>
        </tr>
        <tr>
            <td>中国银行</td>
            <td>1.67</td>
            <td>1.69</td>
            <td>1.80</td>
            <td>1.92</td>
            <td>1.99</td>
            <td>1.65</td>
            <td>0.86</td>
            <td>0.88</td>
            <td>0.90</td>
            <td>0.84</td>
            <td>0.92</td>
        </tr>
        <tr>
            <td>邮储银行</td>
            <td>1.62</td>
            <td>1.62</td>
            <td>1.65</td>
            <td>1.68</td>
            <td>1.67</td>
            <td>3.88</td>
            <td>0.73</td>
            <td>0.73</td>
            <td>0.33</td>
            <td>0.50</td>
            <td>0.40</td>
        </tr>
        <tr>
            <td>交通银行</td>
            <td>1.69</td>
            <td>1.73</td>
            <td>1.82</td>
            <td>1.88</td>
            <td>1.97</td>
            <td>1.63</td>
            <td>0.85</td>
            <td>0.87</td>
            <td>0.93</td>
            <td>0.88</td>
            <td>0.88</td>
        </tr>
        <tr>
            <td>招商银行</td>
            <td>1.75</td>
            <td>1.72</td>
            <td>1.80</td>
            <td>1.78</td>
            <td>2.22</td>
            <td></td>
            <td>1.00</td>
            <td>0.87</td>
            <td>0.67</td>
            <td>0.63</td>
            <td>0.93</td>
        </tr>
        <tr>
            <td>兴业银行</td>
            <td>1.66</td>
            <td>1.69</td>
            <td>1.77</td>
            <td>1.89</td>
            <td>1.98</td>
            <td>1.63</td>
            <td>0.72</td>
            <td>0.75</td>
            <td>0.80</td>
            <td>0.84</td>
            <td>0.88</td>
        </tr>
        <tr>
            <td>浦发银行</td>
            <td>1.68</td>
            <td>1.75</td>
            <td>1.79</td>
            <td>1.92</td>
            <td>2.03</td>
            <td>1.63</td>
            <td>0.86</td>
            <td>0.92</td>
            <td>0.89</td>
            <td>0.85</td>
            <td>0.97</td>
        </tr>
        <tr>
            <td>中信银行</td>
            <td>1.70</td>
            <td>1.74</td>
            <td>1.81</td>
            <td>1.92</td>
            <td>2.00</td>
            <td>1.62</td>
            <td>0.76</td>
            <td>0.80</td>
            <td>0.79</td>
            <td>0.90</td>
            <td>0.93</td>
        </tr>
        <tr>
            <td>民生银行</td>
            <td>1.67</td>
            <td>1.71</td>
            <td>1.78</td>
            <td>1.92</td>
            <td>1.95</td>
            <td>1.65</td>
            <td>0.76</td>
            <td>0.80</td>
            <td>0.75</td>
            <td>0.83</td>
            <td>0.85</td>
        </tr>
        <tr>
            <td>光大银行</td>
            <td>1.71</td>
            <td>1.77</td>
            <td>1.84</td>
            <td>1.93</td>
            <td>1.99</td>
            <td>1.65</td>
            <td>0.87</td>
            <td>0.87</td>
            <td>0.91</td>
            <td>0.89</td>
            <td>0.90</td>
        </tr>
        <tr>
            <td>平安银行</td>
            <td>1.65</td>
            <td>1.70</td>
            <td>1.77</td>
            <td>1.93</td>
            <td>2.03</td>
            <td>1.63</td>
            <td>0.71</td>
            <td>0.74</td>
            <td>0.79</td>
            <td>0.84</td>
            <td>0.88</td>
        </tr>
        <tr>
            <td>华夏银行</td>
            <td>1.69</td>
            <td>1.73</td>
            <td>1.75</td>
            <td>1.88</td>
            <td>1.92</td>
            <td>1.63</td>
            <td>0.83</td>
            <td>0.89</td>
            <td>0.83</td>
            <td>0.81</td>
            <td>0.87</td>
        </tr>
        <tr>
            <td>浙商银行</td>
            <td>1.73</td>
            <td>1.76</td>
            <td>1.83</td>
            <td>1.89</td>
            <td>1.94</td>
            <td>1.68</td>
            <td>0.81</td>
            <td>0.80</td>
            <td>0.80</td>
            <td>0.73</td>
            <td>0.74</td>
        </tr>
        <tr>
            <td>广发银行</td>
            <td>1.65</td>
            <td>1.73</td>
            <td>1.74</td>
            <td>1.89</td>
            <td>1.92</td>
            <td>1.63</td>
            <td>0.76</td>
            <td>0.82</td>
            <td>0.57</td>
            <td>0.62</td>
            <td>0.70</td>
        </tr>
        <tr>
            <td>渤海银行</td>
            <td>1.68</td>
            <td>1.70</td>
            <td>1.82</td>
            <td>1.94</td>
            <td>1.94</td>
            <td>1.63</td>
            <td>0.52</td>
            <td>0.53</td>
            <td>0.56</td>
            <td>0.59</td>
            <td>0.59</td>
        </tr>
        <tr>
            <td>恒丰银行</td>
            <td>1.68</td>
            <td>1.73</td>
            <td>1.82</td>
            <td>1.94</td>
            <td>2.01</td>
            <td>1.65</td>
            <td>0.67</td>
            <td>0.68</td>
            <td>0.69</td>
            <td>0.73</td>
            <td>0.79</td>
        </tr>
        <tr>
            <td>北京银行</td>
            <td>1.71</td>
            <td>1.74</td>
            <td>1.81</td>
            <td>1.91</td>
            <td>1.98</td>
            <td>1.61</td>
            <td>0.68</td>
            <td>0.71</td>
            <td>0.76</td>
            <td>0.80</td>
            <td>0.79</td>
        </tr>
        <tr>
            <td>江苏银行</td>
            <td>1.75</td>
            <td>1.77</td>
            <td>1.86</td>
            <td>1.97</td>
            <td>2.03</td>
            <td>1.64</td>
            <td>0.85</td>
            <td>0.82</td>
            <td>0.85</td>
            <td>0.80</td>
            <td>0.86</td>
        </tr>
        <tr>
            <td>上海银行</td>
            <td>1.65</td>
            <td>1.67</td>
            <td>1.75</td>
            <td>1.88</td>
            <td>1.87</td>
            <td>1.63</td>
            <td>0.58</td>
            <td>0.58</td>
            <td>0.57</td>
            <td>0.52</td>
            <td>0.56</td>
        </tr>
        <tr>
            <td>宁波银行</td>
            <td>1.59</td>
            <td>1.60</td>
            <td>1.84</td>
            <td>1.89</td>
            <td>1.88</td>
            <td>1.58</td>
            <td>0.32</td>
            <td>0.32</td>
            <td>0.49</td>
            <td>0.57</td>
            <td>0.58</td>
        </tr>
        <tr>
            <td>南京银行</td>
            <td>1.68</td>
            <td>1.71</td>
            <td>1.77</td>
            <td>1.96</td>
            <td>2.03</td>
            <td>1.61</td>
            <td>0.71</td>
            <td>0.73</td>
            <td>0.73</td>
            <td>0.77</td>
            <td>0.83</td>
        </tr>
        <tr>
            <td>杭州银行</td>
            <td>1.67</td>
            <td>1.70</td>
            <td>1.82</td>
            <td>1.89</td>
            <td>1.91</td>
            <td>1.61</td>
            <td>0.65</td>
            <td>0.69</td>
            <td>0.73</td>
            <td>0.73</td>
            <td>0.76</td>
        </tr>
        <tr>
            <td>成都银行</td>
            <td>1.66</td>
            <td>1.68</td>
            <td>1.81</td>
            <td>1.98</td>
            <td>2.04</td>
            <td>1.60</td>
            <td>0.58</td>
            <td>0.61</td>
            <td>0.66</td>
            <td>0.75</td>
            <td>0.81</td>
        </tr>
        <tr>
            <td>长沙银行</td>
            <td>1.64</td>
            <td>1.63</td>
            <td>1.79</td>
            <td>2.00</td>
            <td>1.98</td>
            <td>1.65</td>
            <td>0.53</td>
            <td>0.43</td>
            <td>0.52</td>
            <td>0.58</td>
            <td>0.69</td>
        </tr>
        <tr>
            <td>重庆银行</td>
            <td>1.71</td>
            <td>1.77</td>
            <td>1.90</td>
            <td>2.03</td>
            <td>2.08</td>
            <td>1.64</td>
            <td>0.80</td>
            <td>0.87</td>
            <td>0.98</td>
            <td>0.96</td>
            <td>0.99</td>
        </tr>
        <tr>
            <td>贵阳银行</td>
            <td>1.71</td>
            <td>1.74</td>
            <td>1.79</td>
            <td>1.89</td>
            <td>1.94</td>
            <td>1.67</td>
            <td>0.66</td>
            <td>0.66</td>
            <td>0.62</td>
            <td>0.60</td>
            <td>0.62</td>
        </tr>
        <tr>
            <td>郑州银行</td>
            <td>1.73</td>
            <td>1.75</td>
            <td>1.85</td>
            <td>1.96</td>
            <td>1.99</td>
            <td>1.67</td>
            <td>0.69</td>
            <td>0.66</td>
            <td>0.66</td>
            <td>0.65</td>
            <td>0.65</td>
        </tr>
        <tr>
            <td>青岛银行</td>
            <td>1.75</td>
            <td>1.77</td>
            <td>1.84</td>
            <td>1.96</td>
            <td>2.03</td>
            <td>1.68</td>
            <td>0.98</td>
            <td>0.95</td>
            <td>0.90</td>
            <td>0.93</td>
            <td>0.89</td>
        </tr>
        <tr>
            <td>苏州银行</td>
            <td>1.65</td>
            <td>1.66</td>
            <td>1.80</td>
            <td>1.95</td>
            <td>1.88</td>
            <td>1.61</td>
            <td>0.52</td>
            <td>0.43</td>
            <td>0.45</td>
            <td>0.55</td>
            <td>0.40</td>
        </tr>
        <tr>
            <td>齐鲁银行</td>
            <td>1.68</td>
            <td>1.68</td>
            <td>1.78</td>
            <td>1.93</td>
            <td>1.91</td>
            <td>1.63</td>
            <td>0.60</td>
            <td>0.58</td>
            <td>0.57</td>
            <td>0.54</td>
            <td>0.58</td>
        </tr>
        <tr>
            <td>兰州银行</td>
            <td>1.70</td>
            <td>1.72</td>
            <td>1.77</td>
            <td>1.96</td>
            <td>1.99</td>
            <td>1.68</td>
            <td>0.64</td>
            <td>0.71</td>
            <td>0.59</td>
            <td>0.78</td>
            <td>0.67</td>
        </tr>
        <tr>
            <td>西安银行</td>
            <td>1.77</td>
            <td>1.82</td>
            <td>1.89</td>
            <td>1.96</td>
            <td>2.01</td>
            <td>1.67</td>
            <td>0.96</td>
            <td>0.97</td>
            <td>0.93</td>
            <td>0.89</td>
            <td>0.86</td>
        </tr>
        <tr>
            <td>厦门银行</td>
            <td>1.78</td>
            <td>1.82</td>
            <td>1.89</td>
            <td>2.00</td>
            <td>2.10</td>
            <td>1.69</td>
            <td>1.00</td>
            <td>0.99</td>
            <td>0.98</td>
            <td>0.98</td>
            <td>0.97</td>
        </tr>
        <tr>
            <td>渝农商行</td>
            <td>1.66</td>
            <td>1.69</td>
            <td>1.80</td>
            <td>1.99</td>
            <td>1.99</td>
            <td>1.63</td>
            <td>0.62</td>
            <td>0.64</td>
            <td>0.57</td>
            <td>0.82</td>
            <td>0.82</td>
        </tr>
        <tr>
            <td>沪农商行</td>
            <td>1.69</td>
            <td>1.70</td>
            <td>1.78</td>
            <td>1.94</td>
            <td>2.00</td>
            <td>1.66</td>
            <td>0.77</td>
            <td>0.72</td>
            <td>0.61</td>
            <td>0.81</td>
            <td>0.79</td>
        </tr>
        <tr>
            <td>青农商行</td>
            <td>1.68</td>
            <td>1.73</td>
            <td>1.81</td>
            <td>2.00</td>
            <td>2.03</td>
            <td>1.62</td>
            <td>0.64</td>
            <td>0.68</td>
            <td>0.61</td>
            <td>0.69</td>
            <td>0.72</td>
        </tr>
        <tr>
            <td>常熟银行</td>
            <td>1.50</td>
            <td></td>
            <td>1.64</td>
            <td>1.92</td>
            <td>1.91</td>
            <td></td>
            <td>0.08</td>
            <td></td>
            <td>0.08</td>
            <td>0.25</td>
            <td>0.25</td>
        </tr>
        <tr>
            <td>紫金银行</td>
            <td>1.71</td>
            <td>1.67</td>
            <td>2.02</td>
            <td>2.06</td>
            <td>2.02</td>
            <td></td>
            <td>0.92</td>
            <td>0.81</td>
            <td>0.92</td>
            <td>0.97</td>
            <td>0.82</td>
        </tr>
        <tr>
            <td>无锡银行</td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td>1.80</td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td>0.25</td>
        </tr>
        <tr>
            <td>张家港行</td>
            <td>1.71</td>
            <td>1.87</td>
            <td>1.92</td>
            <td>2.00</td>
            <td>2.05</td>
            <td>1.62</td>
            <td>0.51</td>
            <td>0.79</td>
            <td>0.70</td>
            <td>0.71</td>
            <td>0.74</td>
        </tr>
        <tr>
            <td>苏农银行</td>
            <td>1.78</td>
            <td>1.86</td>
            <td>1.86</td>
            <td>2.05</td>
            <td>2.11</td>
            <td>1.63</td>
            <td>0.53</td>
            <td>0.66</td>
            <td>0.60</td>
            <td>0.72</td>
            <td>0.87</td>
        </tr>
        <tr>
            <td>江阴银行</td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
        </tr>
        <tr>
            <td>瑞丰银行</td>
            <td>1.61</td>
            <td>1.61</td>
            <td>1.68</td>
            <td>2.03</td>
            <td>1.92</td>
            <td>1.59</td>
            <td>0.24</td>
            <td>0.25</td>
            <td>0.25</td>
            <td>0.24</td>
            <td>0.23</td>
        </tr>
    </tbody>
</table>

资料来源：Wind，招商证券
| 银行名称   | 最新排名 | 本期末 | 2025Q3 | 2025H1 | 2025Q1 | 2024A | 存单到期本期 | 存单到期上期 | 存单净融资本期 | 存单净融资上期 |
|------------|----------|--------|--------|--------|--------|-------|-------------|-------------|---------------|---------------|
| 工商银行   | 5        | 11084  | 11948  | 14282  | 13664  | 10000 | 362         | 87          | -362          | -87           |
| 建设银行   | 2        | 13516  | 13989  | 17008  | 16679  | 12483 | 664         | 294         | -564          | -244          |
| 农业银行   | 1        | 18419  | 18561  | 18734  | 20020  | 16205 | 818         | 307         | -168          | -26           |
| 中国银行   | 4        | 11670  | 12300  | 10886  | 9428   | 9972  | 199         | 0           | -199          | 0             |
| 邮储银行   | 24       | 1638   | 1687   | 1239   | 621    | 1065  | 51          | 0           | -51           | 0             |
| 交通银行   | 3        | 12433  | 12838  | 13478  | 13572  | 12213 | 624         | 154         | -558          | 193           |
| 招商银行   | 38       | 61     | 117    | 219    | 327    | 896   | 0           | 0           | 0             | 0             |
| 兴业银行   | 11       | 5534   | 5364   | 6558   | 8153   | 8290  | 271         | 70          | -61           | 53            |
| 浦发银行   | 7        | 8966   | 7887   | 8294   | 10646  | 9802  | 310         | 324         | -297          | -16           |
| 中信银行   | 6        | 10131  | 10308  | 10256  | 10098  | 9249  | 1002        | 292         | -987          | -14           |
| 民生银行   | 8        | 8409   | 7089   | 8862   | 7667   | 8088  | 74          | 281         | 333           | 48            |
| 光大银行   | 9        | 7994   | 7724   | 8180   | 8769   | 8251  | 813         | 289         | -223          | -69           |
| 平安银行   | 13       | 4492   | 3919   | 3424   | 3797   | 5359  | 236         | 211         | -149          | -55           |
| 华夏银行   | 15       | 4090   | 3727   | 4088   | 4393   | 4108  | 69          | 99          | 109           | 206           |
| 浙商银行   | 19       | 2890   | 3105   | 2650   | 3651   | 3425  | 162         | 143         | -143          | -143          |
| 广发银行   | 17       | 3460   | 3670   | 4325   | 4339   | 3483  | 303         | 537         | -303          | -537          |
| 渤海银行   | 21       | 2664   | 2465   | 2346   | 2327   | 2143  | 78          | 132         | 43            | -76           |
| 恒丰银行   | 23       | 1924   | 1750   | 2033   | 1831   | 1946  | 31          | 32          | 52            | 19            |
| 北京银行   | 10       | 5846   | 5293   | 5535   | 4707   | 4030  | 32          | 138         | 31            | 23            |
| 江苏银行   | 12       | 5404   | 5547   | 6147   | 6293   | 5113  | 174         | 23          | -66           | 82            |
| 上海银行   | 16       | 3499   | 3739   | 3558   | 3503   | 2785  | 187         | 190         | -104          | -50           |
| 宁波银行   | 14       | 4197   | 3310   | 3062   | 3201   | 2861  | 170         | 100         | -37           | 9             |
| 南京银行   | 20       | 2832   | 2878   | 3123   | 2779   | 2919  | 53          | 124         | 50            | -124          |
| 杭州银行   | 18       | 3127   | 2468   | 2574   | 2593   | 2279  | 107         | 40          | 10            | 123           |
| 成都银行   | 25       | 1528   | 1543   | 1577   | 1509   | 1728  | 94          | 71          | -21           | -57           |
| 长沙银行   | 27       | 1408   | 1652   | 1683   | 1605   | 1566  | 84          | 62          | 57            | -57           |
| 重庆银行   | 26       | 1411   | 1441   | 1481   | 1416   | 1501  | 113         | 58          | -55           | -58           |
| 贵阳银行   | 30       | 860    | 882    | 925    | 833    | 808   | 24          | 68          | 18            | -68           |
| 郑州银行   | 28       | 1018   | 1021   | 951    | 974    | 958   | 28          | 62          | 15            | -42           |
| 青岛银行   | 31       | 859    | 854    | 885    | 869    | 833   | 45          | 0           | -21           | 10            |
| 苏州银行   | 32       | 858    | 750    | 615    | 459    | 631   | 64          | 42          | -3            | -8            |
| 齐鲁银行   | 29       | 867    | 888    | 836    | 678    | 645   | 30          | 46          | 25            | -46           |
| 兰州银行   | 37       | 311    | 177    | 134    | 183    | 206   | 0           | 0           | 43            | 23            |
| 西安银行   | 33       | 818    | 840    | 859    | 857    | 793   | 38          | 20          | 3             | -1            |
| 厦门银行   | 34       | 591    | 661    | 681    | 657    | 684   | 34          | 0           | -22           | 11            |
| 渝农商行   | 22       | 1942   | 1721   | 1676   | 1532   | 1590  | 121         | 48          | -29           | 17            |
| 沪农商行   | 36       | 489    | 484    | 661    | 468    | 455   | 40          | 20          | -13           | 13            |
| 青农商行   | 35       | 575    | 581    | 595    | 586    | 598   | 19          | 45          | 4             | -42           |
| 常熟银行   | 43       | 8      | 0      | 5      | 8      | 23    | 0           | 0           | 0             | 0             |
| 紫金银行   | 39       | 45     | 20     | 97     | 100    | 120   | 6           | 0           | -6            | 0             |
| 无锡银行   | 44       | 0      | 0      | 0      | 0      | 12    | 0           | 0           | 0             | 0             |
| 张家港行   | 40       | 41     | 41     | 49     | 36     | 36    | 0           | 6           | 0             | -6            |
| 苏农银行   | 42       | 19     | 12     | 48     | 87     | 91    | 0           | 0           | 0             | 0             |
| 江阴银行   | 44       | 0      | 0      | 0      | 0      | 0     | 0           | 0           | 0             | 0             |
| 瑞丰银行   | 41       | 37     | 43     | 21     | 10     | 43    | 15          | 6           | -13           | -4            |

资料来源：Wind，招商证券
所属报告:
银行业资负跟踪:央行利率比价与综合收益比价的异同-251122(38页).pdf
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fCDlm73lrrYv5Zyw5Yy6IHwgMTBZ5Zu95YC65pS255uK546H5Y+Y5YyWIChicCkgfAp8Oi0tLS0tLS0tLS06fDotLS0tLS0tLS0tLS0tLS0tLS0tLS0tOnwKfCDms7Dlm70gfCA1IHwKfCDotorljZcgfCAwIHwKfCDljbDluqYgfCA2IHwKfCDlnJ/ogLPlhbYgfCA1NSB8Cnwg5Y2w5bC8IHwgMTUgfAp8IOWNl+mdniB8IDkgfAoKKirotYTmlpnmnaXmupDvvJpXaW5k77yM55Sz5LiH5a6P5rqQ56CU56m2Kio=
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图表5银行在国债收益率曲线的形成与传导中发挥决定性作用
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2026-07-20
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图表3近年来,央行屡次提及国债收益率曲线的金融市场定价基准作用
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ICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKCui1hOaWmeadpea6kO+8mndpbmTvvIzljY7liJvor4HliLg=
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2026-07-20
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图表30美国国债收益率显著上行
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行业数据
2026-07-14
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十年期国债收益率走势
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2026-07-10
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30年国债收益率走势
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2026-07-10
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美国REITs资本化率和10年期国债收益率
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2026-07-06
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当周,美、英、德10Y国债收益率走势
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行业数据
2026-07-06
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当周,发达国家10Y国债收益率悉数上涨
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行业数据
2026-07-06
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当周,新兴市场10Y国债收益率多数上涨
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行业数据
2026-07-06
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10年美国国债收益率走势和联邦基金利
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行业数据
2026-07-02
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10年中债国债到期收益率和7天逆回购
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2026-07-02
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银行业资负跟踪:央行利率比价与综合收益比价的异同-251122(38页).pdf
2026年银行行业报告:贷款利率自律底线2.41%,货币政策与流动性趋势分析
银行业资负跟踪:央行利率比价与综合收益比价的异同-251122
主要银行存量同业存单平均票面利率(%)以及剩余期限(年)
主要银行同业存单余额、周度到期及净融资额(亿元)
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