Point存款期限越长,利率越高,似乎是符合人们理所当然的“常识”。然而,随着我国利率市场化的不断推进,这种“常识”正在被打破,而利率市场化也让银行“躺着赚钱”的日子一去不复返了。部分银行存款利率现“倒挂”据中国银行国际金融研究所统计,截至2016年7月31日,我国主要17家银行平均5年期存款利率为2.94%,3年期存款利率为2.9%,两者差值为0.04%。部分 Point The longer the deposit term, the higher the interest rate, seems to be in line with what people take for granted “common sense.” However, as the marketization of interest rates in our country continues to advance, such “common sense” is being broken, and the marketization of interest rates has also left the banks “lying and making money” forever. According to the statistics of Bank of China Institute of International Finance, as of July 31, 2016, the average 5-year deposit rate of China’s major 17 banks was 2.94%, and the 3-year deposit rate was 2.9% , The difference between the two is 0.04%. section