台湾媒体报道，TSMC 的巨额现金存款在帮助缓解台湾银行体系的流动性压力，其存款利率四个月内从 1.75% 升至 2.10%，因银行为满足严格的流动性监管而竞争 6 至 12 个月期的稳定存款。公营银行目前以 1.775% 发放青年住宅房贷，较 TSMC 存款利率出现 30 个基点以上的负利差；台湾传统的安全网邮政储蓄中，有约新台币 6000 亿元被占用在对台电与中油的能源放款上。
AI 生成摘要 · 以原文为准
TSMC’s massive cash pile is helping relieve liquidity pressure in Taiwan’s banking system – and earning higher yields for TSMC, media report. TSMC’s deposit rate jumped to 2.10% from 1.75% in just four months as banks compete for stable deposits (6 to 12 months) to meet strict liquidity rules.
It’s causing pain. State-backed banks are now issuing 1.775% ‘Youth Housing’ mortgages at a 30+ basis point negative spread vs TSMC deposits. The traditional safety net in Taiwan has long been postal savings, but much of that is tied up in NT$600 billion energy loans to TaiPower and CPC Corp. $TSM #Taiwan #Banking #semiconductors https://money.udn.com/money/story/5648/9838587
来源：Dan Nystedt · x.com