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进入第四季度,关于银行业“钱荒”的担心再度袭来。一方面,季末银行发放房贷节奏放慢,另一方面,多家银行以“两节”为主题推出多款高收益理财产品。从Shibor看,一周、两周拆借利率都比较稳定,但一个月的拆放利率比较高,从9月9日的4.6逐渐攀升至9月16日的5.67,这说明,商业银行在9月底之前的资金状况还比较平稳,但进入10月后可能会吃紧。但有了6月的教训,商业银行在流动性管理方面会有更好的应对。
In the fourth quarter, concerns about the banking industry “money shortage” again hit. On the one hand, the pace of mortgage issuance by the banks slowed down at the end of the quarter. On the other hand, many banks launched a series of high-yield wealth management products with the theme of “two sections”. From Shibor, one-week and two-week lending rates are relatively stable, but the one-month interest rate swap is relatively high, rising from 4.6 on September 9 to 5.67 on September 16, indicating that before the end of September, commercial banks The funding situation is still relatively stable, but into October may be tight. However, with the lessons of June, commercial banks will have a better response to liquidity management.