Group 1 - The large immersive epic drama "The Great River" has been successfully performed at the Hualin Grand Theatre, attracting over 3,000 attendees for each show [1] - The Oulebao Resort has seen a surge in visitors during the May Day holiday, with its three themed parks—Oulebao Dream World, Ocean Polar World, and Animal Kingdom—offering special activities [1] - Financial support from Postal Savings Bank has been crucial for the development of tourism projects, enabling the construction of various facilities and enhancing visitor experiences [1][2] Group 2 - Postal Savings Bank's Dezhou branch has provided 550 million yuan in loans for the Qi River Museum Group project and related facilities since October last year, significantly shortening the approval process through innovative financial solutions [2] - The Qi River Museum Group project includes 21 themed museums and aims to become a cultural landmark in the Yellow River basin, integrating historical, artistic, and ecological elements [2] - The project has been recognized as part of the first batch of national cultural industry development projects, emphasizing ecological protection and green development [2] Group 3 - Postal Savings Bank's Dezhou branch is committed to supporting the high-quality development of the private economy and the ecological transformation of the cultural tourism industry, aligning with national strategies for financial services [3]

Core Viewpoint - The article highlights the successful expansion of a grape plantation in Jiangxi Province, facilitated by financial support from Postal Savings Bank, demonstrating the importance of targeted financial services in rural development [1][2]. Group 1: Financial Support and Impact - The grape grower, Chen Jisong, faced funding challenges for expanding his plantation but received a 200,000 yuan loan from Postal Savings Bank, which enabled him to build standardized greenhouses and improve irrigation systems [1][2]. - The expected grape yield is projected to increase from 30,000 jin to 80,000 jin, significantly enhancing both quality and profitability [2]. Group 2: Agricultural Development Strategy - Postal Savings Bank's local branch has established a specialized "Three Rural" financial service team to provide tailored financial solutions directly to farmers, promoting rural entrepreneurship and industry revitalization [2]. - The bank's agricultural loan balance has exceeded 1.1 billion yuan, benefiting numerous farmers and contributing to local economic growth [2].

5月20日，贷款市场报价利率（LPR）迎来年内首次下调，一年期LPR和五年期以上LPR均下调10个基 点。 同日，中国银行、农业银行、工商银行、建设银行、交通银行、邮储银行六大国有银行均对存款利率进 行了调整。 新一轮存款降息又开始了。这次除国有银行外，股份制银行中招商银行也第一时间跟进。其中，三年期 和五年期存款下调幅度最大，达到25个基点。 最大降幅25个基点 中国人民银行授权全国银行间同业拆借中心公布，2025年5月20日，贷款市场报价利率（LPR）为：一 年期LPR为3.00%，五年期以上LPR为3.50%，均较前期下调10个基点。以上LPR在下一次发布LPR之前 有效。 本报记者 张漫游 北京报道 "与之前不同的是，不同类型银行同步下调存款利率，不仅有助于更好地稳定银行净息差，也有助于更 好降低实体经济融资成本。"对于此次存款利率降息，邮储银行高级研究员娄飞鹏告诉记者，降低实体 经济融资成本需要降低贷款利率，贷款利率下降进一步增加银行净息差下行压力，需要降低负债成本， 而存款是银行重要的负债来源，因此需要降低存款利率稳定净息差，提高银行服务实体经济的可持续 性。 董希淼指出，近年以来，存款利率延续下 ...

Core Viewpoint - The recent reduction in the Loan Prime Rate (LPR) signals a shift in monetary policy aimed at stimulating economic activity through lower borrowing costs for both businesses and individuals [2][3]. Group 1: LPR Reduction Details - The 1-year LPR and the 5-year LPR have been lowered by 10 basis points to 3.0% and 3.5%, respectively, marking the first reduction in 7 months since October 2024 [2]. - A decrease in LPR will lead to lower loan rates for businesses and individuals, with an example showing that a 10 basis point drop could save a homebuyer approximately 20,000 yuan in interest over a 30-year mortgage [2]. Group 2: Impact on Deposit Rates - On the same day as the LPR reduction, major state-owned banks and some joint-stock banks announced a decrease in deposit rates, with 1-year fixed deposit rates falling below 1% to 0.95% [2][5]. - The reduction in deposit rates is seen as a strategy to attract depositors before further declines, with some banks offering rates as low as 0.05% for demand deposits [2]. Group 3: Economic Context and Analysis - The LPR reduction is attributed to external economic pressures, particularly the escalation of the US-China trade conflict, necessitating a stronger counter-cyclical adjustment in macroeconomic policy [3]. - The weighted average interest rate for new corporate loans was approximately 3.2%, down about 50 basis points year-on-year, while the average for new personal housing loans was around 3.1%, down about 55 basis points [3]. Group 4: Bank Profitability and Future Outlook - The recent cuts in deposit rates are expected to help lower banks' funding costs, potentially allowing for further reductions in LPR [6]. - The net interest margin for commercial banks has been narrowing, with the latest data showing a decline to 1.43%, down 9 basis points from the previous quarter [6]. - Analysts predict that the recent LPR cut will lead to further decreases in loan rates, as banks adjust to maintain their interest margins [6].

Group 1 - The Ministry of Finance and the Financial Regulatory Administration issued a notice to accelerate the digital development of bank confirmation letters, emphasizing the need for a unified platform and improved service functions [1] - The People's Bank of China released a data security management measure to enhance data protection and clarify the obligations of data processors throughout the data lifecycle [1] - The Shenzhen Financial Regulatory Bureau supports state-owned and joint-stock banks in establishing technology financial centers, outlining 25 policy measures for high-quality development in technology finance [1] Group 2 - Recent adjustments in deposit rates by several small and medium-sized banks have led to an inverted yield curve, where shorter-term deposit rates exceed longer-term rates [2] - The Shanghai Stock Exchange held a training session for commercial bank wealth management companies to enhance their capabilities in equity asset management, with a focus on increasing participation in the capital market [2] - Ping An Life has increased its holdings in Agricultural Bank of China and Postal Savings Bank of China, marking its second acquisition of these banks this year, indicating a trend of insurance companies favoring bank stocks [2] Group 3 - Shanghai Bank elected Gu Jianzhong as the new chairman of its board, pending approval from the banking regulatory authority [3] - Everbright Bank appointed Ma Bo as its first Chief Risk Officer, a position aimed at enhancing theoretical research and practical exploration within the bank [4] Group 4 - Huaxia Bank announced that the qualification of its director, Duan Yuangang, has been approved by the regulatory authority [5] - Zhu Jiangtao, a long-serving executive at China Merchants Bank, is expected to take on the role of president at China Merchants Securities, marking a new challenge outside the banking sector [5] - Zhejiang Wuyi Rural Commercial Bank was fined 3.14 million yuan for multiple regulatory violations, including breaches of financial statistics management and customer identity verification [5] Group 5 - Zhejiang Merchants Bank successfully issued 5 billion yuan in technology innovation bonds with a 3-year term and a coupon rate of 1.66%, aimed at supporting technology innovation projects [6]

5月20日，工商银行、中国银行、建设银行、农业银行、邮储银行、交通银行六大国有行下调人民币存 款利率。其中，活期存款下调0.05个百分点至0.05%，各期限定期存款挂牌利率下调0.15-0.25个百分 点，一年期存款利率均跌破1%。 同日，新一期贷款市场报价利率（LPR）出炉，1年期和5年期以上LPR双双下降0.1个百分点至3%、 3.5%。市场对本轮LPR与存款利率下调已有预期，此前在国新办新闻发布会上，中国人民银行行长潘功 胜宣布，下调政策利率0.1个百分点，预计将带动贷款市场报价利率（LPR）同步下行约0.1个百分点； 同时，潘功胜表示，央行也将通过利率自律机制引导商业银行相应下调存款利率。 建设银行最新存款利率。（数据来源：建设银行网站） 5月20日，工商银行、中国银行、建设银行、农业银行、邮储银行、交通银行六大国有行宣布下调人民 币存款利率；其中，活期存款下调0.05个百分点至0.05%，各期限定期存款挂牌利率下调0.15-0.25个百 分点，一年期存款利率均跌破1%。 以建设银行为例，活期利率下调5个基点至0.05%；定期整存整取三个月期、半年期、一年期、二年期 均下调15个基点，分别为0.65% ...

Group 1 - The core point of the articles is the collective reduction of RMB deposit rates by major Chinese banks, including China Bank, Agricultural Bank, Industrial and Commercial Bank, China Construction Bank, Postal Savings Bank, and Bank of Communications, effective May 20 [1][2][3][4] - The interest rate for demand deposits has been lowered by 5 basis points to 0.05% [1][2][3][4] - The fixed deposit rates for various terms have been adjusted, with 3-month, 6-month, 1-year, and 2-year rates down by 15 basis points to 0.65%, 0.85%, 0.95%, and 1.05% respectively [1][2][3][4] - The 3-year and 5-year fixed deposit rates have been reduced by 25 basis points to 1.25% and 1.3% respectively [1][2][3][4] - The 7-day notice deposit rate has also been decreased by 15 basis points to 0.3% [1][2][3][4] Group 2 - The reduction in deposit rates is expected to drive a shift in deposits towards bank wealth management products, which have seen a resurgence, reaching a scale of 31 trillion yuan [5] - The increase in bank wealth management products is attributed to the decline in bond market interest rates, the "deposit migration" effect, and adjustments in bank sales strategies [5] - The anticipated further reduction in deposit rates may lead to an increase in bank wealth management products, with projections suggesting a potential growth to 33 trillion yuan within the year [5]

值得一提的是，按照以往存款降息的路径，国有大行率先降息后，全国性股份制银行很快将跟进。 事实上，市场对此已有预期。5月7日，央行行长潘功胜在国务院新闻办公室举行的新闻发布会上宣布，央行将通过利率自律机制引导 商业银行相应下调存款利率。同时，下调政策利率0.1个百分点，预计带动贷款市场报价利率（LPR）随之下行0.1个百分点。在央行 推出降息、降准等一揽子货币政策措施后，市场普遍预期新一轮存款降息即将来临。 5月20日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均发布消息，下调人民币存款利率，最大降幅25个基 点。其中活期利率下调5个基点至0.05%；定期整存整取三个月期、半年期、一年期、二年期均下调15个基点，分别为0.65%、0.85%、 0.95%、1.05%；三年期和五年期均下调25个基点，分别至1.25%和1.3%。这是国有大行今年首轮存款利率下调。如果20万元存五年， 降息25个基点后五年利息少2500元。 除国有六大行外，股份制银行招商银行也在今日下调了人民币存款利率，其中活期利率下调5个基点至0.05%；定期整存整取三个月 期、半年期、一年期、二年期均下调15个基点，分别为0.6 ...

Core Viewpoint - The People's Bank of China (PBOC) announced a 10 basis points reduction in the Loan Prime Rate (LPR) on May 20, marking the first interest rate cut of the year, which is expected to lower the overall financing costs for the real economy and stabilize the net interest margin of commercial banks [1][9][10]. Summary by Sections Interest Rate Changes - The LPR was reduced from 3.0% to 2.9% for first-time homebuyers, which translates to a total interest savings of approximately 38,600 yuan over a 30-year mortgage for a loan of 2 million yuan [1][3]. - Multiple banks, including China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China, have announced reductions in deposit rates, with the most significant cuts being 15 basis points for various term deposits [5][6][7][8]. Impact on Financing Costs - The reduction in LPR and deposit rates is expected to further decrease the comprehensive financing costs for the real economy, thereby reinforcing the economic fundamentals [3][10]. - The PBOC's adjustment of the 7-day reverse repurchase rate from 1.50% to 1.40% is anticipated to influence various market rates, including the LPR and deposit rates, promoting consumption and investment [9][10]. Banking Sector Response - The banking sector is responding to the PBOC's policy changes, with state-owned banks typically leading the way in adjusting deposit rates, followed by joint-stock and smaller banks [10]. - The net interest margin of commercial banks has been under pressure, declining to 1.43% in the first quarter of this year, which is below the regulatory acceptable level of 1.80% [10].

智通财经5月20日电，邮储银行5月20日对多个期限的人民币存款利率进行了下调，其中1年期下调15个基点至0.98%。 个人服务 公司服务 三农服务 小企业服务 您所在的位置：首页 中国邮政储蓄银行关于调整人民币存款挂牌利率的公告 2025-05-20 关于邮储 我行自2025年5月20日起调整人民币存款挂牌利率，具体情况如下: | | 项目 一、活期存款 | 年利率(%) 0.05 | | --- | --- | --- | | | 1.整存整取 三个月 六个月 | 0.65 0.86 | | | 一年 | 0.98 | | | 二年 | 1.05 | | 二、定期存款 | 三年 | 1.25 | | | 五年 | 1.30 | | | 2.零存整取、整存零取、存本取息 | | | | 一年 | 0.65 | | | 三年 | 0.86 | | | 王年 | 0.86 | | | 3.定活两便 | 按一年以内定期整存整取同档次利率打六折 | | | 三、协定存款 | 0.10 | | 四、通知存款 | 一天 | 0.10 | | | 七天 | 0.30 | 注：上述利率为挂牌利率,请以实际交易利率为准。 特此 ...