图4720年末上市股份行对公定期存款占比-行业数据

图4720年末上市股份行对公定期存款占比

企业定期存款占比较高，负债成本下行空间较大。17 年以来，企业活期存款占比有所下降，从 17 年末的 33%下降至20年末的24%，而相应的付息成本率较高的企业定期存款占比有所提升，从17年末的47%提升至20年末的51%。光大银行的定期存款占比较高，且有上升趋势，负债成本仍有较大下行空间。

行业数据

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