银行同业存单发行利率现短期抬升

Group 1 - Major commercial banks have lowered deposit rates, with one-year fixed deposit rates generally falling below 1% [1] - Smaller banks, such as city commercial banks and rural commercial banks, have also followed suit, with one to five-year fixed deposit rates now commonly in the "1" range, diminishing their competitive advantage [1] - Customers are shifting their funds from deposits to wealth management products, money market funds, bond funds, and insurance products to seek higher returns [1] Group 2 - The issuance rates of interbank certificates of deposit have recently increased, indicating a short-term rise in funding costs for banks [2] - The overall pressure on bank liabilities is attributed to declining deposit stability and increased reliance on active liabilities, compounded by the inability of loose monetary policy to fully offset funding demand [2] - Analysts predict that the long-term downward trend in deposit rates will continue, necessitating banks to enhance their active liability capabilities and manage high-cost deposits [2][3] Group 3 - Several listed banks are focusing on controlling liability costs, with strategies including optimizing deposit management and expanding demand for current deposits [3] - Banks are also planning to issue bonds and interbank certificates of deposit strategically when market interest rates are low to manage refinancing pressures [3] - The supply pressure of interbank certificates of deposit may not be sustainable in the medium to long term due to a lack of willingness among banks to actively expand their liability scale [3]