每(mei)經(jing)AI快訊，存(cun)(cun)款(kuan)(kuan)(kuan)作(zuo)為銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)務(wu)的(de)重要組(zu)成部(bu)分，一直以來都(dou)是商業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)發(fa)展基石(shi)。隨(sui)著(zhu)上(shang)市銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)2024年(nian)半(ban)年(nian)報(bao)披露收(shou)官，國有六(liu)大(da)行(xing)(xing)(xing)(xing)吸(xi)收(shou)存(cun)(cun)款(kuan)(kuan)(kuan)的(de)情(qing)況以及在(zai)(zai)(zai)全國各(ge)個區(qu)(qu)(qu)域的(de)“存(cun)(cun)款(kuan)(kuan)(kuan)地(di)(di)(di)(di)圖”也浮(fu)出(chu)水面。 截(jie)至2024年(nian)6月末(mo)，國有六(liu)大(da)行(xing)(xing)(xing)(xing)合計吸(xi)收(shou)個人存(cun)(cun)款(kuan)(kuan)(kuan)79.37萬億(yi)元，較去年(nian)末(mo)增(zeng)長6.04%。在(zai)(zai)(zai)存(cun)(cun)款(kuan)(kuan)(kuan)結(jie)構中(zhong)，國有六(liu)大(da)行(xing)(xing)(xing)(xing)今(jin)年(nian)上(shang)半(ban)年(nian)個人存(cun)(cun)款(kuan)(kuan)(kuan)比(bi)重普(pu)遍升高(gao)。除交通銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)外(wai)，其(qi)余五(wu)家(jia)國有大(da)行(xing)(xing)(xing)(xing)個人存(cun)(cun)款(kuan)(kuan)(kuan)余額均超(chao)過10萬億(yi)元。 從區(qu)(qu)(qu)域劃分來看(kan)，國有大(da)行(xing)(xing)(xing)(xing)在(zai)(zai)(zai)吸(xi)收(shou)存(cun)(cun)款(kuan)(kuan)(kuan)上(shang)呈(cheng)現出(chu)明顯的(de)地(di)(di)(di)(di)域特點，整體(ti)來看(kan)，長江(jiang)(jiang)三角洲、環(huan)渤(bo)海地(di)(di)(di)(di)區(qu)(qu)(qu)、中(zhong)部(bu)地(di)(di)(di)(di)區(qu)(qu)(qu)為國有大(da)行(xing)(xing)(xing)(xing)的(de)“吸(xi)儲(chu)(chu)高(gao)地(di)(di)(di)(di)”，珠江(jiang)(jiang)三角洲、西(xi)(xi)部(bu)地(di)(di)(di)(di)區(qu)(qu)(qu)、東(dong)北地(di)(di)(di)(di)區(qu)(qu)(qu)相(xiang)對次之。其(qi)中(zhong)，工商銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)“攬儲(chu)(chu)主陣(zhen)地(di)(di)(di)(di)”多年(nian)來位于環(huan)渤(bo)海地(di)(di)(di)(di)區(qu)(qu)(qu)；在(zai)(zai)(zai)長三角地(di)(di)(di)(di)區(qu)(qu)(qu)交通銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、農業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)優勢(shi)較明顯；郵儲(chu)(chu)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)吸(xi)收(shou)存(cun)(cun)款(kuan)(kuan)(kuan)則更加倚重中(zhong)西(xi)(xi)部(bu)地(di)(di)(di)(di)區(qu)(qu)(qu)；建設銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)存(cun)(cun)款(kuan)(kuan)(kuan)分布均衡，中(zhong)西(xi)(xi)部(bu)地(di)(di)(di)(di)區(qu)(qu)(qu)、環(huan)渤(bo)海地(di)(di)(di)(di)區(qu)(qu)(qu)、長三角地(di)(di)(di)(di)區(qu)(qu)(qu)貢獻度接近。此(ci)外(wai)，中(zhong)國銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)則繼(ji)續(xu)在(zai)(zai)(zai)境外(wai)市場占據(ju)優勢(shi)。（證券日報(bao)）