外资银行放下高身段, 花旗,汇丰,渣打,3倍高息揽储

外资银行放下高身段, 花旗,汇丰,渣打,3倍高息揽储

2012年5月23日 11:52, 来源:北京晨报 ,作者:姜樊 选稿:李浩翔

晨报讯（记者 姜樊）外币存款竟有3倍的利率优惠？近日，被理财巨亏整得焦头烂额的外资银行，突然,放下身段,推出利率优惠,来吸引储户。

　　“限时美元优惠，最高,可达3倍利率优惠。”昨日，北京晨报记者登录花旗银行官网看到，今年6月30日之前，若客户,以新增资金存款，就可以享受到利率优惠。拿3个月的存款为例，花旗银行,将原本0.5%的利率,调整为2.75%。实际上，推出优惠的外资银行,并不只花旗一家。记者在汇丰银行、渣打银行等多家外资银行网站看到，一些外资行的澳元存款利率,已经达到5.5%，较中资行,普遍1.5%左右的利率水平,高出近4%。

　　外资行为何突然放下高身段？中央财经大学金融学院教授郭田勇表示，外资行提高利率的做法,可能是要应对存款压力的增大，毕竟,今后,外资行也要纳入监管的范围之内。从去年年底开始，银监会对外资行存贷比-5年的宽限期已经结束，外资行也要像中资行一样，将存贷比控制在75%的红线之内，同时,监管层还要定时,按月,检查各家银行是否达标，所以,当下,吸收存款成为外资行的头等大事。

　　其实，外资行揽储的战场,并非仅仅局限在存款利率上。尽管当下外资行理财产品饱受质疑,且官司不断，但,理财产品仍是其揽储利器。花旗、汇丰等银行,都推出长期的理财产品，并作出100%,或部分本金保障的承诺(小心签字文本全文！）。

Foreign banks to lay down a high figure, Citigroup, HSBC, Standard Chartered, three times high interest Lanchu of

At 11:52 on May 23, 2012 Source: Beijing Morning Post, Author: Jiang Fan election is issued: Li Haoxiang

The Morning News (Reporter Jiang Fan) Foreign currency deposits as much as three times the interest rate discount? Recently, the fiscal huge loss of the entire beleaguered foreign banks, suddenly and postures, the introduction of preferential interest rates to attract depositors.

“Limit the dollar offers, the highest, up to three times the interest rate concessions.” Yesterday, the Beijing Morning Post reporter Login Citibank official website to see before June 30 this year, if the customer to add the deposit of funds, you can enjoy interest rates concessions. Take three months deposits, for example, Citibank, the original 0.5 percent interest rate, adjust to 2.75%. In fact, the introduction of favorable foreign banks, not only the United States a. HSBC, Standard Chartered Bank and many other foreign banks website to see some foreign line of the Australian dollar deposit rate has reached 5.5 percent, compared to the Chinese-funded line, generally about 1.5% of the level of interest rates, nearly 4 percent.

The foreign investment behavior where suddenly put down a high figure? Central University of Finance and Professor Guo Tian Yong, said the foreign line to raise interest rates approach may be to deal with the deposit pressure increases, the future, after all, the foreign trip also be brought within the purview of the regulators. Since the end of last year, the CBRC foreign trip deposit and lending more than 5 years of grace period has ended, the foreign line to be like the line of Chinese-funded, as will deposit ratio control 75% of the red line, at the same time, regulators time, whether the target on a monthly basis, check the banks, so the moment, deposits become a top priority of the foreign line.

In fact, foreign OK Lanchu to the battlefield, not confined to the deposit rates. Despite the fact that the foreign line of financial products has suffered questioned, and the lawsuit continued, but the financial products still Lanchu weapon. Citigroup, HSBC and other banks have launched a long-term financial products, and make 100% or partial principal protection commitment (signed text carefully!)

外資銀行放下高身段, 花旗,匯豐,渣打,3倍高息攬儲

2012年5月23日11:52, 來源:北京晨報,作者:姜樊選稿:李浩翔

晨報訊（記者姜樊）外幣存款竟有3倍的利率優惠？近日，被理財巨虧整得焦頭爛額的外資銀行，突然,放下身段,推出利率優惠,來吸引儲戶。

“限時美元優惠，最高,可達3倍利率優惠。”昨日，北京晨報記者登錄花旗銀行官網看到，今年6月30日之前，若客戶,以新增資金存款，​​就可以享受到利率優惠。拿3個月的存款為例，花旗銀行,將原本0.5%的利率,調整為2.75%。實際上，推出優惠的外資銀行,並不只花旗一家。記者在匯豐銀行、渣打銀行等多家外資銀行網站看到，一些外資行的澳元存款利率,已經達到5.5%，較中資行,普遍1.5%左右的利率水平,高出近4%。

　　外資行為何突然放下高身段？中央財經大學金融學院教授郭田勇表示，外資行提高利率的做法,可能是要應對存款壓力的增大，畢竟,今後,外資行也要納入監管的範圍之內。從去年年底開始，銀監會對外資行存貸比-5年的寬限期已經結束，外資行也要像中資行一樣，將存貸比控制在75%的紅線之內，同時,監管層還要定時,按月,檢查各家銀行是否達標，所以,當下,吸收存款成為外資行的頭等大事。

其實，外資行攬儲的戰場,並非僅僅局限在存款利率上。儘管當下外資行理財產品飽受質疑,且官司不斷，但,理財產品仍是其攬儲利器。花旗、匯豐等銀行,都推出長期的理財產品，並作出100%,或部分本金保障的承諾(小心簽字文本全文！）。