China's National Financial Regulatory Administration data sh
文 / 小金
2026-08-18 07:30:04
来源:亚金网
China's National Financial Regulatory Administration data show commercial banks' net interest margin rose to 1.41% in Q2, up 0.01 percentage point QoQ — the first quarterly increase since 2022. Margin moves were mixed by bank type: state-owned big banks, city commercial banks, rural commercial banks and private banks reported QoQ increases; joint-stock banks were flat; foreign banks fell. Regulators and market participants attribute the stabilization to the liability side — maturing high-yield deposits repriced lower and banks actively optimized funding mixes to reduce interest cost — while regulatory guidance and an interest-rate self-discipline mechanism helped curb irrational loan-rate cuts and supported asset-side pricing, propping up NIMs.
