部分银行股股息率超8%，存银行不如买银行股？

Group 1 - Recent reductions in fixed deposit interest rates by multiple banks have sparked discussions among investors about the benefits of buying bank stocks over saving in banks [1][3] - As of May 26, among 42 A-share listed banks, 21 banks have a dividend yield exceeding 5%, with Ping An Bank and Minsheng Bank surpassing 8% at 8.48% and 8.24% respectively [1] - Following the People's Bank of China's recent monetary policy adjustments, including rate cuts, several major banks have lowered their deposit rates, with one-year fixed deposit rates dropping below 1% to 0.95% [1] Group 2 - National joint-stock commercial banks such as CITIC Bank, Industrial Bank, and SPDB have followed suit in reducing their one-year fixed deposit rates to 1.15% and two-year rates to 1.2% [3] - Smaller banks have also adjusted their deposit rates, with Hami Commercial Bank and Liaocheng Hu'nong Rural Commercial Bank announcing new rates as low as 1.5% for one-year deposits [3] - The stock performance of banks has remained strong, with several banks reaching new highs in mid-May, and 30 out of 42 banks reporting year-on-year profit growth in their Q1 2025 reports [3]