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中小银行存款利率进入“1时代”
Jing Ji Ri Bao·2025-05-24 22:00

Group 1 - The People's Bank of China has implemented a series of financial policies, including interest rate cuts, leading to a decrease in deposit rates among small and medium-sized banks, with some long-term fixed deposit rates falling below 2% [1] - Since April, at least 20 small and medium-sized banks have lowered their deposit rates, with specific examples showing rates for 1-year, 2-year, 3-year, and 5-year deposits dropping to as low as 1.5% and 1.85% [1] - The reduction in deposit rates is attributed to the need for banks to manage their liability costs more effectively and to enhance their ability to support the real economy [1] Group 2 - Higher-yielding products like large-denomination certificates of deposit (CDs) and notice deposits are also seeing a decline in returns, with average rates for 1-year, 2-year, 3-year, and 5-year large CDs reported at 1.719%, 1.867%, 2.197%, and 2.038% respectively [2] - The attractiveness of large CDs has diminished as their rates fall below those of certain wealth management products and money market funds, leading to a decrease in issuance of medium to long-term large CDs by banks [2] - Small and medium-sized banks have historically set deposit rates slightly higher than large commercial banks to attract savings, but recent trends show a decline in rates across the board [2] Group 3 - The recent interest rate cuts by large banks have prompted some residents to seek higher interest rates by exploring suitable small and medium-sized banks, leading to a potential "savings migration" [3] - The adjustment in deposit rates will significantly reduce the interest income for depositors, prompting a shift of funds towards financial institutions offering higher returns [3] - Small and medium-sized banks are encouraged to enhance their asset management services to meet diverse investment needs, as the banking wealth management market remains stable and healthy [3]