多地中小银行密集调降存款利率，有银行却逆势上调，但存1年不如存5年

Core Viewpoint - The adjustment of deposit rates by local small and medium-sized banks continues, with many institutions lowering rates, while a few are increasing them, leading to a phenomenon of inverted rates between short-term and long-term deposits [1][4][5]. Group 1: Deposit Rate Adjustments - Since May, many local small and medium-sized banks have been adjusting their deposit rates, with some long-term deposit rates falling below 2% [1][2]. - For example, the deposit rates at Liaocheng Hunan Rural Commercial Bank were reduced across all terms, with the one-year rate dropping from 1.95% to 1.8%, a decrease of 15 basis points [2]. - In contrast, Xinjiang Korla Fumin Village Bank announced an increase in rates for certain short-term deposits, with the one-year rate rising to 2.0% and the two-year rate to 2.05%, both higher than the three-year and five-year rates [1][4]. Group 2: Market Trends and Predictions - Analysts expect that deposit rates will continue to decline in the second half of the year, with a potential reduction of 20 to 30 basis points anticipated [8]. - The central bank's recent policy changes, including a 0.1 percentage point reduction in policy rates, are expected to lead to further decreases in deposit rates [6][7]. - The overall trend indicates that banks are under pressure to lower their funding costs to maintain net interest margins, which have been narrowing [5].