{"id":96676,"date":"2024-09-20T22:42:22","date_gmt":"2024-09-20T14:42:22","guid":{"rendered":"http:\/\/www.gocpmall.com\/?p=96676"},"modified":"2024-09-20T22:42:22","modified_gmt":"2024-09-20T14:42:22","slug":"%e6%97%a0%e8%ae%ba%e5%a4%a7a%e8%82%a1%e5%b8%82%e7%86%8a%e5%88%b0%e4%bb%80%e4%b9%88%e7%a8%8b%e5%ba%a6_%e8%b4%a2%e5%af%8c%e5%8f%b7_%e4%b8%9c%e6%96%b9%e8%b4%a2%e5%af%8c%e7%bd%91","status":"publish","type":"post","link":"https:\/\/www.gocpmall.com\/?p=96676","title":{"rendered":"\u65e0\u8bba\u5927A\u80a1\u5e02\u718a\u5230\u4ec0\u4e48\u7a0b\u5ea6_\u8d22\u5bcc\u53f7_\u4e1c\u65b9\u8d22\u5bcc\u7f51"},"content":{"rendered":"

\"news
能够穿越牛熊的一定是高股息率、有成长性的低估银行股。上半年银行的平均净息差低到1.54%，超越了金融监管底线1.8%，银行已经无法在向实体基金和房地产让利，这将伤及国本。我们已经看到发达地区的银行对房贷已经不感兴趣，并且收缩严重，从平安银行等城市商业银行到农商行，中报显示，多家银行净利润构成发生了重大变化，利息收入形成的利润占比下降很快，而在债券和投资收益类品种上有快速发展，获得的利润在银行总利润占比中增幅很高，有的银行利息收入获得的净利润占比不足50%了。 我们欣喜地看到几乎所有的银行三季度下降了存款利率，连农商银行都开始下调了银行存款利率，修正净息差的下降。存款利率下降会影响储户存款的意愿，现实中经济环境不太妙，资金并不会增加消费，股市投资环境也不好，这部分本当属于储蓄的资金就会购买理财产品和债券，以期获取叫好的投资收益。这对银行也算是利好吧，所以，发达地区的银行在债券投资和理财产品方面将会有快速的发展，表外资产膨胀，银行的净利润构成将会发生重大变化。如果允许银行参与股市投资、回购自家股份、银行间交叉持股，（原则上是允许的，实际上受到限制的）真能成行的话。银行活了股市也活了。 追加内容 本文作者可以追加内容哦 !
阅读更多（Read More）<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

能够穿越牛熊&#30340 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-96676","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=\/wp\/v2\/posts\/96676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=96676"}],"version-history":[{"count":0,"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=\/wp\/v2\/posts\/96676\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=96676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=96676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gocpmall.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=96676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}