富国银行、美国银行和花旗银行为捍卫其存款基础而斗争,投资者为推动宽松货币而转移了245000000000美元:报告

币界网Publicado em 2024-07-20Última atualização em 2024-07-20

币界网报道:

随着美国银行努力阻止存款外逃,美国人越来越多地将来之不易的现金转移到收益率更高的金融产品中。

英国《金融时报》援引投资公司协会的数据报道称,人们越来越厌倦银行提供的低息存款,现在向货币市场基金投入了创纪录的6.15万亿美元。

这意味着自2020年1月以来增加了2.45万亿美元。

美联储一再加息,使这些基金能够提供5%或更高的利率,这是基本支票账户通常提供的利率的5倍多。

为了保持竞争力,美国银行开始支付更高的利率,这对其净利息收入(NII)产生了直接影响。

新的数据显示,富国银行、花旗集团和美国银行在2024年第二季度的NII均有所下降。

富国银行公布本季度NII下降9%,为两年来最低水平。花旗集团和美国银行均报告下跌3%。

投资银行和交易的激增正在提高大银行的回报,这保护了贷款人免受NII下降的影响。

生成的图像:Midjourney

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