银行存款利率跌破1%，释放了怎样的信息？

Group 1 - Major state-owned banks have lowered deposit rates, with the one-year deposit rate falling below 1% due to the need to reduce costs as the central bank has cut the benchmark interest rate by 10 basis points to 3.5% [1][2] - Banks face high operational costs, including employee salaries and non-performing loans, which necessitate maintaining loan rates above 3% to ensure profitability [2][3] - The reduction in deposit rates is also aimed at stimulating economic activity, as excessive deposits indicate a lack of market vitality and liquidity [5][7] Group 2 - The central bank's strategy of lowering interest rates is intended to encourage spending rather than saving, pushing consumers to withdraw and spend their money [7][10] - Historical examples, such as Japan's experience with negative interest rates, illustrate the challenges of stimulating consumption in a low-demand environment, particularly due to demographic factors [9][10] - The overall goal is to activate the economy by ensuring money circulates, which is essential for growth and investment opportunities [10][12]