تبلیغات
بیشتر بدانیم - آخرین سود بانکها - کدام بانک بیشترین سود بانکی را میدهد!؟

آخرین سود بانکها - کدام بانک بیشترین سود بانکی را میدهد!؟

26 اسفند 92 15:07نویسنده : سجاد دانش

 

با رقابت به وجود آمده بین بانک‌ها و موسسات اعتباری برای جذب منابع، سود کوتاه‌مدت و روزشمار بانک‌ها به حدی افزایش یافته که تفاوت بین این نوع سپرده‌گذاری با سپرده‌گذاری بلندمدت ۵ ساله در حال حاضر بیش از ۳ درصد نیست!

خبرگزاری فارس: رقابت جنون‌آمیز بانک‌ها برای جذب سپرده/ فاصله نرخ سود روزشمار و ۵ ساله؛ فقط ۳ درصدf
به گزارش خبرنگار اقتصادی خبرگزاری فارس، در یکی دو ماه اخیر رقابت بانک‌ها و موسسات برای جذب سپرده به حدی رسیده که فاصله نرخ‌های سود کوتاه و مدت بلند این نهادهای پولی به شکل قابل توجهی کاهش یافته است.

توجه به برگه‌های نصب شده در ورودی شعب بانک این از هم گسیختگی نرخ سود را نشان می‌دهد. نرخ سود سپرده کوتاه مدت و روزشمار در حال حاضر به 22 تا 23 درصد رسیده در حالی که نرخ سود سپرده‌های بلند مدت نزدیک به 25 تا 26 درصد است.

این در حالی است که تفاوت کم و غیرمتعارف نرخ‌های سود سپرده بلند و کوتاه مدت موجب افزایش شدید هزینه‌های تامین مالی شده و بانک‌ها را در پرداخت تسهیلات بلندمدت در آینده با چالش جدی مواجه خواهد کرد.

پرداخت سود مناسب به سپرده‌های کوتاه مدت و روزشمار ابتدا از موسسات اعتباری آغاز شد و پس از آن به بانک‌های تازه تاسیس سرایت کرد. این بانک‌ها برای جذب منابع و عقب نماندن از گردونه، مجبور به افزایش نرخ‌های سود سپرده‌های کوتاه مدت شدند و اکنون تمام شبکه بانک‌ی درگیر ایم معضل هستند.

یکی از مدیرعامل یک بانک بزرگ و با سابقه در این باره به فارس گفت: در شرایطی که بانک‌های کوچک و موسسات نرخ سود سپرده کوتاه مدت را افزایش دادند، سپرده از بانک‌های بزرگ در حال خارج شدن بود. به همین دلیل بانک‌های بزرگ و دولتی هم مجبور به افزایش نرخ سود سپرده کوتاه مدت شدند.

وی ادامه داد: این اقدام در حالی انجام می‌شود که در اکثر قریب به اتفاق بانک‌های دنیا، برای سپرده‌های کوتاه مدت و جاری، سودی در نظر نمی‌گیرند زیرا بانک نقش حفظ و نگه‌داری از سرمایه افراد را ایفا می‌کند.

در این شرایط، به طور قطع انتقال سپرده‌ها از بلند مدت به سمت سپرده‌های کوتاه مدت و پرداخت تسهیلات کوتاه مدت توسط بانک‌ها کمترین زیان ناشی از این پدیده است.

به نظر می‌رسد ورود شورای پول و اعتبار به این مقوله و تصمیم‌گیری برای ساماندهی و منطقی کردن نرخ سود سپرده کوتاه‌مدت و بلند مدت ضروری است زیرا در صورت عدم اتخاذ تصمیم در این باره باید منتظر اتفاقا ناگواری برای سیستم بانکی و به تبع آن فضای اقتصادی کشور باشیم.


برچسب ها: بیشترین سود بانکی ، سود بانکها ، کدام بانک بیشترین سود را میدهد ، بیشترین سود سپرده بانکها ، بیشترین سود کوتاه مدت 23 درصد ، بیشترین سود کوتاه مدت و بلند مدت بانکها ، سود روزشمار 23درصد بانک مهر اقتصاد ،
آخرین ویرایش: 12 فروردین 93 18:54

 
17 خرداد 98 06:02
For hottest information you have to pay a visit world-wide-web and on web I found this website as a most excellent web site for most up-to-date
updates.
13 خرداد 98 21:29
magnificent post, very informative. I'm wondering why the opposite specialists of this sector do not realize this.
You should continue your writing. I'm confident, you have a
huge readers' base already!
12 خرداد 98 04:37
Ridiculous quest there. What occurred after? Thanks!
11 خرداد 98 07:25
Thanks for any other informative site. Where else may I am getting
that type of info written in such a perfect manner?
I have a mission that I am just now operating on, and
I've been on the look out for such info.
27 اردیبهشت 98 16:24
Hi it's me, I am also visiting this website on a regular basis, this web page is in fact nice and
the visitors are in fact sharing good thoughts.
27 اردیبهشت 98 14:40
Everything is very open with a clear clarification of the issues.
It was definitely informative. Your website is extremely helpful.

Many thanks for sharing!
21 اردیبهشت 98 20:48
What's up, after reading this awesome paragraph i am as well cheerful to share my experience
here with friends.
20 اردیبهشت 98 18:36
Attractive component to content. I simply stumbled
upon your website and in accession capital to claim that
I get in fact enjoyed account your weblog posts.

Any way I'll be subscribing to your augment or even I success you get entry to constantly rapidly.
17 اردیبهشت 98 09:57
I really love your website.. Great colors & theme. Did you
develop this website yourself? Please reply back as I'm planning to create my own blog and want to find out where you
got this from or what the theme is named. Thanks!
16 اردیبهشت 98 15:46
Hey I know this is off topic but I was wondering if you knew of
any widgets I could add to my blog that automatically tweet
my newest twitter updates. I've been looking for a plug-in like this for quite some
time and was hoping maybe you would have some experience with something like this.
Please let me know if you run into anything. I truly enjoy reading your blog
and I look forward to your new updates.
12 اردیبهشت 98 19:24
Excellent post. I was checking continuously this blog and I am impressed!
Extremely useful information particularly the last part :) I
care for such info much. I was seeking this particular info for a long time.
Thank you and best of luck.
3 اردیبهشت 98 20:12
Undeniably believe that that you said. Your favorite
justification appeared to be on the web the simplest thing to remember of.
I say to you, I certainly get annoyed even as people consider
worries that they just do not understand about.

You controlled to hit the nail upon the top as well as defined out the whole thing
with no need side effect , other people can take a signal.

Will probably be back to get more. Thanks
21 فروردین 98 16:07
This info is invaluable. How can I find out more?
21 فروردین 98 02:03
After I initially commented I appear to have clicked the -Notify me
when new comments are added- checkbox and from now on each time a comment
is added I recieve 4 emails with the exact same comment.
There has to be a means you are able to remove me from that
service? Thanks a lot!
17 فروردین 98 13:28
I'm not sure why but this site is loading very slow
for me. Is anyone else having this problem or
is it a issue on my end? I'll check back later on and see if the problem still exists.
16 فروردین 98 22:59
Excellent article. Keep posting such kind of information on your blog.
Im really impressed by it.
Hey there, You've performed an incredible job.

I will definitely digg it and personally recommend to my friends.

I'm sure they'll be benefited from this website.
13 فروردین 98 11:44
It's a pity you don't have a donate button! I'd definitely donate to
this brilliant blog! I guess for now i'll settle for bookmarking
and adding your RSS feed to my Google account. I look forward to
brand new updates and will share this site with my Facebook group.
Talk soon!
11 فروردین 98 18:30
Hi! I know this is kinda off topic however , I'd figured I'd ask.
Would you be interested in trading links or maybe guest authoring
a blog article or vice-versa? My website goes over a lot of
the same topics as yours and I believe we could greatly benefit from each other.
If you might be interested feel free to shoot
me an e-mail. I look forward to hearing from you!

Excellent blog by the way!
15 آذر 97 19:18
Hey fantastic website! Does running a blog
similar to this take a great deal of work? I've very little
expertise in coding however I had been hoping to start my own blog
in the near future. Anyways, should you have any suggestions or tips for new blog owners
please share. I know this is off topic but I just needed to ask.
Kudos!
15 آذر 97 16:33
I don't even understand how I finished up here, but I assumed this put up
used to be great. I do not realize who you are however definitely you're going to a famous blogger when you aren't already.
Cheers!
23 آبان 97 13:28
Do you have a spam problem on this blog; I also am a blogger, and I was
wanting to know your situation; we have created some nice
practices and we are looking to trade techniques with others, please
shoot me an email if interested.
23 آبان 97 12:54
Hello would you mind sharing which blog platform you're
working with? I'm planning to start my own blog soon but I'm
having a hard time choosing between BlogEngine/Wordpress/B2evolution and Drupal.
The reason I ask is because your layout seems different then most blogs and I'm looking for something unique.
P.S Sorry for getting off-topic but I had to ask!
6 آبان 97 06:25
We're a group of volunteers and starting a new scheme in our community.
Your website offered us with valuable information to work on. You have done an impressive job and our whole community will be grateful
to you.
18 مهر 97 07:47
Good way of explaining, and good piece of writing to take
information about my presentation focus, which i am going to deliver in university.
17 مهر 97 21:03
This page really has all of the info I wanted concerning this subject and didn't know who
to ask.
17 مهر 97 11:55
Write more, thats all I have to say. Literally, it seems
as though you relied on the video to make your point.
You clearly know what youre talking about, why throw away your intelligence on just
posting videos to your site when you could be giving us something informative to read?
15 مهر 97 20:37
Hi there I am so glad I found your blog, I really found you
by mistake, while I was researching on Yahoo for something
else, Regardless I am here now and would just like to say
cheers for a incredible post and a all round enjoyable blog (I also love
the theme/design), I don’t have time to look over it all at the moment but I have book-marked it and also included your RSS feeds, so when I have time I will be back to read
a great deal more, Please do keep up the superb jo.
14 مهر 97 14:42
It's difficult to find experienced people about
this topic, however, you sound like you know what
you're talking about! Thanks
12 مهر 97 22:10
I do not even know how I ended up here, but I thought this
post was good. I don't know who you are but definitely you are going to a famous blogger
if you are not already ;) Cheers!
23 مرداد 96 17:50
No matter if some one searches for his vital thing, so he/she
needs to be available that in detail, thus that thing
is maintained over here.
 
لبخندناراحتچشمک
نیشخندبغلسوال
قلبخجالتزبان
ماچتعجبعصبانی
عینکشیطانگریه
خندهقهقههخداحافظ
سبزقهرهورا
دستگلتفکر

نمایش نظرات 1 تا 30