多家银行下调大额存单利率 未来银行降息成趋势？

Core Viewpoint - The recent reduction in deposit rates by several major banks has led to a surge in demand for large-denomination certificates of deposit (CDs), resulting in a scarcity of available products in the market [1][2][10]. Group 1: Impact of Deposit Rate Cuts - Major state-owned banks have lowered their fixed deposit rates by 10 basis points for various terms, leading to a situation where products with annual interest rates above 3.5% are hard to find [2][6]. - The reduction in deposit rates is expected to lower banks' funding costs, which may facilitate a decrease in loan rates and improve the financing environment for businesses [11][14]. Group 2: Market Dynamics and Demand for Large-denomination CDs - The demand for large-denomination CDs has surged, with many banks reporting that their products are in short supply, necessitating advance reservations for purchases [10][12]. - The current liquidity in the market is reasonable, and the recent cut in the reserve requirement ratio by the central bank has released approximately 530 billion yuan, further supporting the downward trend in deposit rates [12][15]. Group 3: Future Trends in Deposit Rates - Experts predict that while the short-term reduction in deposit rates may be limited, a long-term downward trend is expected as banks seek to manage their liabilities and maintain net interest margins [13][15]. - The adjustment of deposit rates is seen as a strategy to optimize the structure and duration of bank deposits, which will help stabilize funding costs and support lending to the real economy [14][15].