银行存款利率 加速进入“1时代” 3年期5年期利率倒挂

Group 1 - The overall trend indicates that bank deposit rates are rapidly entering the "1 era," with deposits offering rates above 2% becoming scarce [1] - As of March 2025, the average deposit rates for various terms are as follows: 3-month at 1.249%, 6-month at 1.449%, 1-year at 1.566%, 2-year at 1.666%, 3-year at 2.042%, and 5-year at 1.883% [1] - There is a notable decline in the average deposit rates for 3-year and 5-year terms, while short-term rates have seen slight increases [1] Group 2 - Banks are reducing long-term deposit rates to mitigate the risk of high-interest liabilities during future interest rate declines, indicating an expectation of continued market rate decreases [2] - Since February 2025, bank deposit rates have generally declined, influenced by central bank policies aimed at curbing high-interest deposit acquisition [2] - The trend suggests that there is still room for further reductions in bank deposit rates due to multiple factors, including low market rates and the need for banks to control liability costs [2] Group 3 - Market interest rates are expected to remain on a downward trend, with potential further declines in deposit rates [3] - Individuals are advised to consider their risk tolerance and investment needs when allocating assets, with suggestions to diversify into cash management products, money market funds, and government bonds for stable returns [3] - For those with higher risk tolerance, it is recommended to consider increasing allocations to stocks, equity funds, and gold [3]