Deposit costs are what a bank pays savers to keep money in an account. Non-interest-bearing deposits pay nothing at all, which is why banks love them: the money is close to free, and it can be lent out at market rates.
存款成本 —— 银行为让储户把钱放在账户里所
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| 16% | Wall Street banks face an earnings test after a $270 billion slide 存款成本 —— 银行为让储户把钱放在账户里所 · 第 3 张术语卡 | JPMorgan, Bank of America and Wells Fargo hold $1.6 trillion of non-interest-bearing deposits — 16% of their liabilities. Paying 3% on them would cost about $47 billion a year, close to half their combined profit. 「活期存款不用付利息」这件事在过去几十年是银行业最稳的利润来源，业内把它叫做储户的「惰性红利」。它的前提是搬家有成本 —— 比价麻烦、转账费事。只要这个前提松动（比如 AI 助手替客户自动比价、货币市场基金收益明显更高），银行要么提高存款利率、要么眼看存款流出，两条路都伤利润。判断一家银行的安全垫，看它「不计息存款 / 总负债」这个比例比看它的招牌更有用。 |