8月26日，伴随着股市暴跌，央行又宣告了降准降息的“双降”政策。受这“利好”消息鼓励，银行股大幅反弹。由于很多银行股还处于“破净”状态，市盈率很低，因为看上去特别诱人。但是需要指出的是，当下的经济大形势下，传统银行金融已经颓势尽显。传统银行，如四大国有银行还有众多股份制银行，似乎都能躺着赚钱，但随着央行频频降准降息，未来也只能靠“广种薄收”过日子。降准降息未必就是长远利好。降准，让银行可贷的钱多了，但是合适的借贷对象少了。降息，让银行贷款更有吸引力了，但是同样意味着银行营利能力的下滑。当下经济形势不振，银行就要过一段苦日子。政府连存款保险都备好了，未来可能的经济危机时期，放弃几家银行也已经是预...
8 month 26, with the slump in the stock market, central bank and declared the RRR cuts "double down" policy. By this good news to encourage banks to rebound sharply. Because many banks are still in the "broken" state, the low price earnings ratio is very low, because it looks particularly attractive. But it should be pointed out that, in the current economic situation, the traditional bank finance has show decline. Traditional banks, such as the four major state-owned banks and many joint-stock banks, seems to lie to make money, but with the central bank frequently RRR cuts, the future can only rely on "extensive cultivation" live. Lower interest rates may not be a long-term positive. Drop quasi, so that the bank can loan more money, but the right to borrow less. Cut interest rates, so that bank loans more attractive, but also means that the decline in profitability of the bank. At present economic situation, the bank will have a hard time. The government has prepared the deposit insurance, and it has been a pre - to give up a few banks in the next possible economic crisis...
