降降降！部分中小银行利率跌破国有行 5年期定存最低1.2%

Core Viewpoint - Local small and medium-sized banks have begun a wave of interest rate cuts, with over 20 banks adjusting their deposit rates, leading to a significant differentiation in rates compared to state-owned banks [1][2][3] Group 1: Interest Rate Adjustments - As of June 4, various local banks have lowered their deposit rates, with some long-term deposit rates falling below those of state-owned banks [1][2] - The adjusted rates for 3-year and 5-year deposits at some banks are now 1.75% and 1.60%, respectively, indicating a "negative spread" of 15 basis points [2] - Most local banks have entered the "1" digit interest rate era, with annualized rates for many products now between 1.6% and 1.9% [2][3] Group 2: Market Trends - The phenomenon of "negative spread" is not limited to local banks; large banks are also experiencing this trend, with long-term deposit products losing popularity [4][5] - Banks are increasingly favoring short-term deposits to maintain flexibility in a declining interest rate environment, reflecting a shift in operational strategy [5] - The demand for long-term deposits is decreasing as customers seek higher returns or more liquid investment products, prompting banks to adjust their product offerings [5]