银行同业存单 发行利率现短期抬升

Group 1 - The core viewpoint of the articles highlights the recent trend of decreasing deposit interest rates among major banks, with one-year fixed deposit rates dropping below 1%, prompting customers to seek higher returns through various financial products [1][2] - Following the reduction in deposit rates, customers are increasingly transferring their funds to bank wealth management products, money market funds, bond funds, and insurance products to achieve better yields [1][2] - The issuance rates of interbank certificates of deposit have shown a short-term increase, indicating a shift in banks' funding strategies as they face pressure on their liability side [2][3] Group 2 - Banks are focusing on managing their liability costs by optimizing deposit strategies, expanding demand deposits, and planning for central bank funding [3] - The long-term trend of declining deposit rates is expected to continue, which may lead to changes in residents' willingness to save, potentially resulting in a "deposit migration" phenomenon [2][3] - Banks are advised to enhance their proactive liability capabilities, such as issuing financial bonds, to manage the pressure from deposit outflows and maintain liquidity [2][3]