【证券时报：存款准备金制度迎改革猜想 5%隐形下限或松动】金十数据2月25日讯，文章称，小型银行的存款准备金率在2021年已降至5%，此后历次降准小型银行存款准备金率均未调整，因此也被外界解读为“5%是我国法定存款准备金率的隐形下限”。然而，正如中国人民银行所说，“通过存款准备金调节长期流动性的实践可以看出，存款准备金率水平并没有绝对的高低和优劣”，5%也并非不可突破。“从长远看，降准的空间是有限的。未来在必要时可以适度降低隐性下限，也可通过优化准备金缴存制度等方式，在法定存款准备金率不变的背景下释放流动性。”光大证券首席固定收益分析师张旭称，不过，现在谈及这些还为时尚早。当前金融机构平均存款准备金率距离5%仍有一段距离。中信证券首席经济学家明明则建议，由于中小银行流动性供给渠道相对有限，短期内可试点将中小银行下限从5%降至3%，观察对流动性和金融市场的影响，再逐步推广至全行业。
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