5月20日，红星新闻记者登录工商银行、建设银行的手机银行，在搜索存款利率时，发现这两家银行的利率也于当日作出了调整，调整后的水平与招行一 样。其中，活期利率调整至0.05%，一年期下调至0.95%，三个月、半年、一年、两年分别调整为0.65%、0.85%、0.95%和1.05%，三年期和五年期调整后 分别为1.25%和1.3%。 5月7日，央行发布公告称，5月8日起，公开市场7天期逆回购操作利率由此前的1.50%调整为1.40%。同日，央行行长潘功胜在国新办新闻发布会上宣布下 调政策利率0.1个百分点，经过市场化利率传导，预计将带动贷款市场报价利率（LPR）随之下行0.1个百分点。同时，也将通过利率自律机制引导商业银 行相应下调存款利率。据了解，7天逆回购利率是央行政策利率，该利率调降后，存贷款利率等诸多利率将相应调整。为此，这一轮的降息在市场预料之 中。 新一轮存款利率下调落地。5月20日，工商银行、建设银行、招商银行等多家银行调整人民币存款挂牌利率。红星新闻记者获悉，三家银行的活期利率都 已调整至0.05%，一年期调整至0.95%。 5月20日，招商银行在其官网宣布，将多个期限的存款挂牌利率下调。其中，活 ...

金十数据5月20日讯，光大银行官网信息显示，该行于5月20日下调人民币存款利率，其中活期利率下调 5个基点至0.05%。定期存款利率下调幅度更大，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0.70%、0.95%、1.15%、1.20%，三年期、五年期下调25个基点至1.3%、1.35%。定期 零存整取、整存零取、存本取息三种期限分别下调15个基点至0.70%、0.95%、0.95%。今日，六家国有 大行集体下调存款利率。股份行中，招商银行已同步下调存款利率。 （上证报） 光大银行下调存款利率 ...

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].

2025年5月20日，中国金融市场迎来重要变动，建设银行与招商银行率先启动今年首次人民币存款利率 下调。根据最新公布的利率表，这两家银行的活期存款下调0.05个百分点至0.05%，而各期限定期存款 挂牌利率则下调0.15-0.25个百分点不等。其中，三年期和五年期定期存款利率调整幅度最大，均下调了 0.25个百分点，分别降至1.25%和1.30%。此次调整是继去年两轮存款利率下调后的又一次重要调整，市 场普遍预期国有六大行和招商银行将按照惯例在同一天内进行一致的利率调整。 回顾去年的两轮存款利率调整可以发现一定的规律和趋势。2024年7月25日，工商银行、建设银行、农 业银行、中国银行、交通银行和邮储银行率先下调人民币存款利率，其中活期存款下调0.05个百分点， 通知、协定和一年期及以内定期存款利率下调了0.1个百分点，二年期及以上定期存款利率下调了0.2个 百分点。 随后在2024年10月18日，国有大行再度集体下调人民币存款利率。当时活期存款下调0.05个百 分点至0.1%，各期限定期存款挂牌利率全线下调0.25个百分点。 对比此次与去年两轮的存款利率调整 可以看出，此次调整基本延续了去年10月的调整模式 ...

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]

每经编辑｜杜宇 5月20日早间，多家主要银行下调存款利率后，贷款市场报价利率（LPR）下行。 据中国人民银行网站5月20日消息，5月20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10个基点。1年期LPR降至3%，5年期 以上LPR降至3.5%。 | | | | 中国人民银行 | | 货币政策司 | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | THE PEOPLE'S BANK OF CHINA | | Monetary Policy Department | | | | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反 | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | bed | | | 网送文告 | 办事大厅 | 在线申报 | 下载中 ...

Core Points - The six major state-owned banks and China Merchants Bank announced a reduction in the RMB deposit rates effective from May 20, 2025 [1][2] - The adjustment includes a decrease in the interest rate for demand deposits from 0.1% to 0.05%, a reduction of 5 basis points [1] - Fixed-term deposit rates for various terms have been lowered, with 3-month, 6-month, 1-year, and 2-year rates reduced from 0.8%, 1%, 1.1%, and 1.2% to 0.65%, 0.85%, 0.95%, and 1.05% respectively, a decrease of 15 basis points [1] - The 3-year and 5-year fixed-term deposit rates have been reduced from 1.5% and 1.55% to 1.25% and 1.30%, a decrease of 25 basis points [1] - Other deposit products such as zero deposit and fixed deposit with interest withdrawal have also seen a reduction in rates, with 1-year, 3-year, and 5-year rates adjusted from 0.8% and 1% to 0.65% and 0.85% respectively [1] - Postal Savings Bank's 6-month and 1-year fixed deposit rates differ from the other five banks, decreasing from 1.01% and 1.13% to 0.86% and 0.98% respectively, maintaining a 15 basis point reduction [2] Summary by Category Demand Deposits - Demand deposit rates for the six major banks and China Merchants Bank decreased from 0.1% to 0.05%, a reduction of 5 basis points [1] Fixed-term Deposits - 3-month, 6-month, 1-year, and 2-year fixed-term deposit rates reduced from 0.8%, 1%, 1.1%, and 1.2% to 0.65%, 0.85%, 0.95%, and 1.05% respectively, a decrease of 15 basis points [1] - 3-year and 5-year fixed-term deposit rates reduced from 1.5% and 1.55% to 1.25% and 1.30%, a decrease of 25 basis points [1] Other Deposit Products - Rates for zero deposit, fixed deposit with interest withdrawal for 1-year, 3-year, and 5-year periods adjusted from 0.8% and 1% to 0.65% and 0.85% respectively [1] - Postal Savings Bank's rates for 6-month and 1-year fixed deposits adjusted from 1.01% and 1.13% to 0.86% and 0.98%, maintaining a 15 basis point reduction [2]

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].

昨天，发生了哪些财经大事？ 据央视新闻，当地时间5月19日，美国白宫官员表示，美国总统特朗普与俄罗斯总统普京正在进行电话会谈。 在谈及俄美总统会否举行会晤时，俄罗斯总统新闻秘书佩斯科夫19日说，"双方进行仔细研究后，再确定（会晤）日期"。此外，谈及美国 参与调停解决俄乌问题的必要性时，佩斯科夫说，如果美国帮助调停俄乌问题，俄方将对此表示感谢。 讨论停火问题！ 特朗普分别与普京、泽连斯基通话！ 佩斯科夫当 天还表示，目前没有在筹备普京与特朗普的会晤。他表示，乌克兰问题的解决需要开展细致而 漫长的工作。 此前总台记者获悉，当地时间19日，乌克兰总统办公室证实，美国总统特朗普已与乌克兰总统泽连斯基就乌克兰停火问题进行了电话会 谈。 乌克兰媒体报道称，此次通话发生在美国总统特朗普与俄罗斯总统普京对话之前。 此外，乌克兰媒体还称，特朗普计划在与普京通话结束后再次致电泽连斯基。 存款利率即将迎来新一轮下调。 中国建设银行于5月20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0.65%、0.85%、0.95%、1.05%；三年期和五年期 ...