降息后钱存哪家银行？

2015-03-05 07:16

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标签：图说金融银行降息存钱

2月28日央行宣布降息，同时央行将存款利率的浮动区间上限，由原来的1.2倍扩大至1.3倍，这也使得各大银行之间，相同档位的存款利率差距拉大。相较国有大行的“矜持”，众多股份制银行第一时间便响应政策，将各档利率上浮20%甚至30%。具体各大银行的利率如何？网易财经查询了国内16家A股上市银行以及广发和邮储两家大型全国型银行的利率，一起来看看。

降息后钱存哪家银行？

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                "prevue": "2月28日央行宣布降息，同时央行将存款利率的浮动区间上限，由原来的1.2倍扩大至1.3倍，这也使得各大银行之间，相同档位的存款利率差距拉大。相较国有大行的“矜持”，众多股份制银行第一时间便响应政策，将各档利率上浮20%甚至30%。具体各大银行的利率如何？网易财经查询了国内16家A股上市银行以及广发和邮储两家大型全国型银行的利率，一起来看看。",
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                   "note": "以本次降息后为例，10万元放在不同银行存钱，每年利息收入差距有多大呢？如果是三个月期，利率最低的为2.35%，最高的为2.73%，每年利息相差380元；半年期，利率最低的为2.55%，最高的为2.99%，每年利息相差440元；一年期，利率最低的为2.75%，最高的为3.25%，每年利息相差500元；二年期，利率最低的为3.25%，最高的为4.03%，每年利息相差780元；三年期，利率最低的为3.75%，最高的为4.875%，每年利息相差1125元；五年期，利率最低的为4%，最高的为5.41%，每年利息相差1410元。对此，理财师提醒，储户存款时应多作比较，各商业银行执行的存款利率可能根据市场变化作适时调整，同一银行不同地区的网点也可能出现利率差异。因此大家存款时在便利的基础上可以“息比三家”，选择利息最高的银行去存款。此外，从过往经验来看，刚降息后各家银行执行的存款利率有的是暂时的，还有变化的可能，储户可以再观望一阵再决定是否转存。",
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                   "note": "更多图片金融故事，请点击网易金融频道：",
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