越南央行要求银行下调存款利率：六个月以上期限至少降0.5个百分点
据越南《年轻人报》报道，越南国家银行（SBV）已要求各银行将六个月及以上期限的存款利率至少下调0.5个百分点，并停止以激进方式争抢存款。
报道说，不遵守要求的银行可能面临后果：2026年剩余时间及2027年的信贷增长额度被削减，并适用更严格的审慎监管要求。
存款利率是越南银行争夺储户资金的主要工具，利率竞争推高银行资金成本，并最终传导到企业与居民的贷款利率。此次指令出台之际，越南政府正推进简化燃料供应链等压低流通成本的措施，货币与价格管理同向发力。越南国家银行尚未公布各银行执行情况的时间表。
Vietnam Central Bank Orders Deposit Rate Cuts of at Least 0.5 Points on Longer Terms
The State Bank of Vietnam (SBV) has ordered banks to reduce deposit rates by at least 0.5 percentage points for terms of six months or longer, and to stop competing aggressively for deposits, Tuoi Tre newspaper reported.
Banks that do not comply could face reduced credit growth quotas for the remainder of 2026 and for 2027, along with stricter prudential requirements, the report said.
Deposit rates are the main tool Vietnamese banks use to compete for savers' funds; aggressive competition raises banks' funding costs and feeds through into lending rates for businesses and households. The order comes as the government also moves to simplify fuel supply chains to cut distribution costs, aligning monetary and price management. The SBV has not published a timetable for banks' compliance.
来源：GSM·美国（原文链接）
图片来源：图：河内市景。来源：Wikimedia Commons，CC BY-SA 4.0 / Photo: A Hanoi cityscape. Source: Wikimedia Commons, CC BY-SA 4.0
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