银行存款利率下调 “存款特种兵”现象几乎“绝迹”

Core Viewpoint - The recent reduction in RMB deposit rates by major state-owned banks and some joint-stock banks has led to the near disappearance of the "deposit special forces" phenomenon, as the cost of traveling to different cities for better rates is no longer justified by the interest earned [1][2]. Group 1: Deposit Rate Changes - Major state-owned banks have lowered deposit rates to the "1" range, while small and medium-sized banks remain in the "3" range, indicating a trend towards lower overall deposit rates [2][3]. - The traditional hierarchy of deposit rates among different types of banks is becoming less distinct, with significant reductions in rates across various banking institutions [4]. Group 2: Disappearance of "Deposit Special Forces" - The essence of the "deposit special forces" was to exploit significant interest rate differences among banks, but this strategy is becoming less viable as rates converge [2][4]. - The People's Bank of China has previously prohibited cross-regional deposits, further diminishing the appeal of traveling for better rates [5]. Group 3: Young Investors' Behavior - As traditional deposit yields decline, young investors are diversifying their financial strategies, with some opting for stable investments like large-denomination certificates of deposit and government bonds, while others are entering the stock market [6][7]. - The number of new A-share accounts opened in 2024 reached approximately 25 million, with a notable increase in participation from younger generations [6].