中小银行集体下调存款利率，全面降息或已“箭在弦上”

Core Viewpoint - The recent interest rate cuts by various small and medium-sized banks in response to the central bank's monetary policy have led to a significant decline in deposit rates, with many rates now entering the "1% era" [1][6][7]. Group 1: Interest Rate Adjustments - Several small and medium-sized banks, including Hami City Commercial Bank and Liaocheng Hunan Agricultural Commercial Bank, have lowered their deposit rates, with some long-term rates dropping below 2% [1][2]. - Hami City Commercial Bank's new rates for personal fixed deposits are 1.5% for 1-year, 1.6% for 2-year, 1.8% for 3-year, and 1.85% for 5-year, reflecting a decrease of 10 to 15 basis points [1]. - Liaocheng Hunan Agricultural Commercial Bank has adjusted its rates to 1.8% for 1-year, 1.89% for 2-year, 1.98% for 3-year, and 1.98% for 5-year, with reductions exceeding 15 basis points [2]. Group 2: Market Trends and Responses - Over 30 small and medium-sized banks have participated in lowering deposit rates since April, with reductions ranging from 10 to 100 basis points, indicating a widespread trend across various regions [6][7]. - The net interest margins for city commercial banks and rural commercial banks have reached historical lows of 1.38% and 1.73%, respectively, prompting these banks to lower deposit rates to alleviate financial pressure [7]. - Analysts predict that the current wave of rate cuts among small banks is just the beginning, with expectations of a broader reduction across national banks in the upcoming quarters [7][8].