越南銀行調升存款利率以吸引資金
Vietnamese Banks Raise Deposit Rates to Attract Capital
截至2026年3月，越南銀行業出現了一個顯著趨勢：銀行正在提高存款利率以吸引資金。
As of March 2026, the Vietnamese banking sector is seeing a notable trend: banks are raising deposit interest rates to attract capital.
首先，目前商業和基礎設施項目的信貸需求正超過存款成長速度。
First, credit demand for business and infrastructure projects is currently outpacing deposit growth.
為了保持足夠的流動性，銀行需要引入更多資金。
To keep enough liquidity, banks need to bring in more funds.
此外，越南國家銀行（國家銀行，ㄍㄨㄛˊㄐㄧㄚˇㄧㄣˊㄏㄤˊ）的嚴格監管，例如85%的存貸比限制，迫使各機構必須更加謹慎地處理其資本結構。
Additionally, stricter regulations from the State Bank of Vietnam, such as the 85% loan-to-deposit ratio limit, are forcing institutions to be more careful with their capital structure.
銀行也正在應對來自黃金和外幣等替代資產的競爭壓力。
Banks are also responding to competitive pressure from alternative assets like gold and foreign currency.
隨著12個月存款利率通常落在6%到7%之間，許多投資者正回歸銀行儲蓄的安全性，以規避（ㄍㄨㄟㄅㄧˋ）股市和房地產市場的波動。
With 12-month deposit rates now often sitting between 6% and 7%, many investors are returning to the safety of bank savings as a hedge against volatile stock and real estate markets.
雖然這種再平衡對於金融體系的穩定是必要的，但越南國家銀行正密切監控局勢，以確保這不會阻礙整體經濟成長。
While this rebalancing is necessary for a stable financial system, the State Bank of Vietnam is closely monitoring the situation to ensure it does not hinder overall economic growth.
