美聯儲數據顯示,隨着存款下降,美國銀行貸款觸及紀錄
美聯儲週五公佈的數據顯示,美國商業銀行的存款在4月底下降到了近兩年來的最低點,而銀行提供的總體信貸卻在未償貸款和租賃的創紀錄水平的帶動下有所上升。
截至4月26日當週,經非季節性調整的存款下降至約17.1萬億美元,較前一週減少約1200 億美元。這是自2021年6月以來的最低水平,與3月份硅谷銀行倒閉前一週相比,存款現在減少了5000多億美元。
在SVB和規模較小的Signature Bank相隔數日倒閉後,存款流出量創歷史新高,存款在4月初穩定下來。他們在4月下半月再次回升,隨着年度報稅季的結束,這段時間通常會有大量賬戶資金流出。
在考慮到這種模式的季節性調整基礎上,存款自3月底以來變化不大。
在非季節性調整的基礎上,美國大型銀行的存款從一週前的10.61萬億美元降至10.54萬億美元。小銀行的存款總額爲5.32萬億美元,上年同期爲5.34萬億美元。
與此同時,在近期銀行系統動盪和美聯儲過去一年大幅加息之後,銀行系統的總信貸還沒有顯示出許多經濟學家和政策制定者所預期的收縮情況。監管機構本週查封了第三家銀行——第一共和銀行,美國最大的銀行摩根大通接手。
銀行系統信貸總額連續第二週上升至17.37萬億美元,這是由非季節性調整後的貸款和租賃增加至創紀錄的12.11萬億美元所帶動,前一週爲12.07萬億美元。儘管如此,最近幾個月貸款增長趨於平穩:年增長率已從去年底的兩位數降至4月底的9%左右,這表明收緊的條件開始抑制銀行信貸。
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