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取消贷存比上限有利银行

The announcement is meaningful all the same. Analysts estimate that some banks’ LDRs —including BOCOM and China Merchants Bank do exceed the official limit. Competition fordeposits at banks close to the limit lifts costs in an already tight market, compressing netinterest margins (NIMs) — a trend exacerbated at quarter end when the banks report theirratios. Bernstein estimates that a 1 per cent increase in the LDR would have a beneficialimpact on both NIMs and loan growth, adding between 80 and 120 basis points to 2016earnings. Consensus estimates for 2016 growth at the top four banks by market capitalisation,which include Bank of China , ICBC and China Construction Bank, are between 5 and 6 per cent.

这一声明仍然具有意义。分析师估计，包括交通银行(BOCOM)和招商银行(CMB)在内，部分银行的贷存比确实超出了官方上限。在本就紧张的市场上，接近达到贷存比上限的银行为争取存款而展开的竞争会提升成本、压缩净息差(NIMs)——这种趋势每逢银行在季度末报告贷存比数据时都会加剧。伯恩斯坦(Bernstein)估计，贷存比上升1%就会对净息差和贷款增长产生有利影响，使2016年的利润提升80至120个基点。对于中国四家市值最高的银行——包括中国银行(BoC)、中国工商银行(ICBC)和中国建设银行(CCB)——来说，分析师预期它们在2016年的利润将增长5%至6%。