Banks ' net interest margin will widen

The expected increase in loan yields is evident in this report (Wen/table reporter Liang) The central bank began yesterday to start the "asymmetric interest rate hike."　　The analysis holds that the central bank's interest rate increase has a positive impact on the banking profit, some of which forecast that the banking net spreads will expand, which is good for the long-term performance of the bank.　　In addition, the agency published forecasts for the January credit data, and some organizations forecast that the volume of credit data exceeded $1.3 trillion. The impulse for bank lending is still continuing. According to the central bank's latest rate hike, the current 1-year benchmark rate of deposit and loan interest rate difference is 3.06%, long-term (5-year above) credit deposit net interest margin is 1.6%.　　Deposit and loan interest rate spreads slightly widened, the expansion is smaller than the December 2010 rate hike.　　Analysts believe that the current medium-and long-term loan interest rate is still small, the bank's lending impulse is still continuing. Shan, a researcher at Bank of international banking, told our correspondent that the interest rate hike was asymmetric, and the medium-and long-term loan rate was raised slightly. "The spread has widened, but the margin is smaller than the previous rate hike."　　"Shan said.　　Although the central bank has adopted new methods such as dynamic deposit reserve ratio, in the current interest rate environment, the demand for loans is strong, the bank's lending impulse is still not suppressed.　　After the interest rate increase, the impact of the loan interest rate on the banking industry is more positive, the net interest rate spreads to the bank profit contribution ratio within 5 basis points.　　Reporters yesterday learned that some of the bank's real estate development loan interest rate has floated 50%, some joint-stock banks on commercial loan products are "grabs", the real interest rate of loans rose. CITIC Securities analysis report that in the current lending environment, even if the central bank adopted an asymmetric interest rate (deposit rate rises higher than the loan interest rate), the loan yield will continue to increase significantly, the bank's net spreads are expected to grow by about 10%.