多家中小银行加入存款利率下调“阵营” 调降幅度多在10个基点以上

Group 1 - Several small and medium-sized banks have recently joined the trend of lowering deposit rates, following state-owned and some joint-stock banks [1][2] - The reduction in deposit rates is generally between 10 basis points (BP) to 25 BP for 3-year and 5-year fixed deposits [1][3] - In Hangzhou, for instance, a city commercial bank has lowered its 3-year deposit rate from 3.08% to 3% for amounts below 50,000 yuan, and from 3.3% to 3.15% for amounts above [2][3] Group 2 - The decline in deposit rates is seen as beneficial for reducing liability costs and improving interest margins, with expectations of more small banks following suit [1][3] - The reasons for the rate cuts include market-driven interest rate adjustments, regulatory guidance, and the need for banks to optimize their asset-liability structures [3][4] - The competitive landscape in the deposit market has led some banks to pursue high-interest deposits, resulting in a "bad bank pricing" issue, making the rate cuts a necessary step for maintaining market order [3][5] Group 3 - Regulatory bodies have emphasized the need to guide deposit rates downward to subsequently lower loan rates, thereby supporting the real economy [5][6] - Future deposit rates are expected to be linked to bond market rates and loan market rates, rather than the benchmark deposit rate, indicating a shift in pricing mechanisms [5][6] - Analysts predict that the overall downward trend in deposit rates is likely to continue, especially with low yields on 10-year government bonds and 1-year Loan Prime Rate (LPR) [6]