小銀行存款利率撐不住了，儲戶怎麼辦？飛哥支兩招

最近，多家中小銀行集中宣布下調存款利率，引起廣泛關注。為什麼會出現這種情況呢？這對我們普通儲戶又意味着什麼呢？儲戶該怎麼應對？飛哥給大家支支招。

我們注意到，最近宣布下調存款利率的包括桂林銀行、柳州銀行、馬山農商行、武宣農商行、榆樹農商行、桦甸農商行，還有一些村鎮銀行。下調的包括活期存款、定期存款、大額存單等，涉及各種期限。

為什麼這個時候突然集中下調存款利率呢？主要是撐不住了。

我們知道，相對大銀行，中小銀行的存款利率普遍偏高，但是貸款利率卻不能比大銀行高多少，否則沒有競争力啊。

前兩天，5年期貸款市場報價利率，也就是lpr突然大幅下調，這就導緻中小銀行存貸息差被大幅壓縮，息差沒了，他們還靠什麼賺錢？再加上春節前國有大行已經提前下調了存款利率，這也給中小銀行騰出了下調空間。

他們下調存款利率，咱們儲戶的利息收益就減少啦。這可咋辦？

首先，作為儲戶，我們要明白一個道理：有些錢，存款利率再低，也是要選擇存款的。你要的是安全，就别太看重收益。

其次，我們要認清一個現實，就是存貸款利率維持在低位會是一個較長時間的事，甚至不排除還需繼續下調。

那怎麼應對？也有兩招。一個是選擇銀行的活期理财産品或者短期理财産品替代。這類産品雖然不是固定收益，但是它們隻投資于貨币、債券類資産，是以風險度很低，收益也相對穩定。關鍵是資金很靈活，不像定期那樣提前支取就會損失利息。很多銀行的活期理财産品随時可以支取。

另外一個，我們還可以考慮資産分散配置。比如一部分是存款，資金量大的就選大額存單，一部分是銀行穩健理财，一部分是貨币、債券基金，有外彙需求的還可以選擇美元存款，畢竟美元存款還有5%的利率。上面說的，也許單一品種未必讓你滿意，但是組合配置，整體風險度就大大降低了。

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59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--discussInput-BG: rgba(255, 255, 255, .03)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--nickName-FG: #959595}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--weui-BG-0: #111;--weui-BG-1: #1e1e1e;--weui-BG-2: #191919;--weui-BG-3: #202020;--weui-BG-4: #404040;--weui-BG-5: #2c2c2c;--weui-FG-0: rgba(255, 255, 255, .8);--weui-FG-HALF: rgba(255, 255, 255, .6);--weui-FG-1: rgba(255, 255, 255, .5);--weui-FG-2: rgba(255, 255, 255, .3);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-FG-5: rgba(255, 255, 255, .1);--weui-RED: #fa5151;--weui-ORANGERED: #ff6146;--weui-ORANGE: #c87d2f;--weui-YELLOW: #cc9c00;--weui-GREEN: #74a800;--weui-LIGHTGREEN: #3eb575;--weui-BRAND: #07c160;--weui-BLUE: #10aeff;--weui-INDIGO: #1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 255, .8);--weui-LINK: #7d90a9;--weui-TEXTGREEN: #259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--appmsgExtra-BG: #121212}}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]) .rich_media_content img:not(.wx_img_placeholder){filter:brightness(.8)}}@media screen and (min-width:1024px){body:not(.pages_skin_pc) :root{--appmsgPageGap: 20px;--appmsgPageBottomGap: 40px}}:root{--articleFontsize: 17px}:root{--sab: env(safe-area-inset-bottom)}:root{--wxBorderAvatarRatio: 3}:root{--discussPageGap: 20px}:root{--immersive-safe-bottom: env(safe-area-inset-bottom)}:root{--appmsgPageGap: 20px;--appmsgPageBottomGap: 40px}.rich_media_content p{clear:both;min-height:1em}td p{margin:0;padding:0}*{margin:0;padding:0}.rich_media_content *{max-width:100%!important;box-sizing:border-box!important;-webkit-box-sizing:border-box!important;word-wrap:break-word!important}

div.autoTypeSetting24psection > p,div.autoTypeSetting24psection > section{margin-bottom: 24px;}