Jin Rong Shi Bao·2025-05-09 03:23Group 1 - The core viewpoint of the articles highlights a significant decline in deposit interest rates across various banks, with many institutions now offering rates starting with "1" percent, indicating a shift towards lower returns for savers [1][2][4] - Since April, over 20 commercial banks have reduced their fixed deposit rates, with rates above 3% becoming increasingly rare in the market [1][2] - Major banks, including state-owned and private banks, have joined the trend of lowering deposit rates, diminishing the previously perceived advantages of rural and private banks [2][3] Group 2 - There is a notable "inversion" in deposit rates, where the average interest rate for 3-year fixed deposits (2.042%) is higher than that for 5-year deposits (1.883%), indicating a shift in consumer preferences and bank strategies [4][7] - The trend of lowering long-term deposit rates is a strategy for banks to mitigate risks associated with high-interest liabilities in a declining interest rate environment [7] - The continuous decline in deposit rates is expected to lead to reduced savings returns for consumers, prompting a need for individuals to reassess their asset allocation strategies [7]