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由于银行业都是借短贷长,加息使得生息率的提升要略高于付息率的提高。各家银行从加息中得到的收益取决其资产和负债的期限错配程度,期限错配程度较大,则收益越大。招商银行和民生银行从这次加息中获益最大。
As the banking sector is borrowed by short-term loans, raising interest rates so that the rate of increase is slightly higher interest rates to raise interest rates. The benefits banks get from raising interest rates depend on the extent of mismatches in the maturity of their assets and liabilities. The greater the maturity mismatch, the greater the returns. China Merchants Bank and Minsheng Bank benefited the most from this rate hike.