银行业“降息潮”再度袭来

Group 1 - The core viewpoint of the articles is that a new wave of interest rate cuts is sweeping through the banking industry, initiated by the People's Bank of China, with significant adjustments made by major state-owned banks and other financial institutions [2][3][6] - On May 20, 2025, major state-owned banks lowered their deposit rates, with the one-year deposit rate falling below 1%, and the adjustment range for fixed-term deposits varying from 0.15 to 0.25 percentage points [2][3] - Despite the overall trend of rate cuts, Yilian Bank reportedly raised its one-year fixed deposit rate from 1.85% to 2.00% on May 21, 2025, although this claim was later disputed as the bank's official website showed the rate remained at 1.85% [1][4][5] Group 2 - The net interest margin of commercial banks in China narrowed to 1.43% in Q1 2025, a decrease of 9 basis points from the previous quarter, indicating pressure on bank profitability [3][6] - Analysts predict that the overall interest margin for banks may decline by 10 to 15 basis points throughout 2025 due to the combination of LPR cuts and lower funding costs [3][6] - Some smaller banks, like Blue Ocean Bank, have also attempted to raise deposit rates in 2025, indicating a strategy to attract funds amid a competitive environment [6][7] Group 3 - The trend of interest rate adjustments reflects a broader strategy among banks to manage their funding costs and attract deposits, particularly in a low-interest-rate environment [2][6] - Analysts suggest that small and medium-sized banks should focus on niche markets and enhance service quality to differentiate themselves in a competitive landscape [7]