多家村镇银行官宣：下调存款利率！

Core Viewpoint - Multiple village banks have lowered deposit interest rates, with reductions ranging from 5 to 20 basis points, primarily affecting three and five-year deposits, indicating a response to the downward trend in market interest rates [1][4]. Group 1: Deposit Rate Adjustments - Jilin Longtan Huayi Village Bank announced a reduction in various deposit rates effective August 20, including a decrease in demand deposit rates from 0.20% to 0.15% and a 20 basis point cut for three and five-year fixed deposits [2]. - BaiShan HunJiang Hengtai Village Bank also adjusted its fixed deposit rates, lowering rates for terms of three months to five years by 10 to 20 basis points [2][3]. - Other small and medium-sized banks, such as Guiding Hengsheng Village Bank and Shengzhou Ruifeng Village Bank, have also announced similar rate reductions [3]. Group 2: Market Trends and Predictions - The trend of declining deposit rates is expected to continue, with potential new rounds of rate cuts anticipated in the third and fourth quarters of the year [5]. - According to a report from Rong360 Digital Technology Research Institute, average deposit rates for various terms have decreased, with the three-month average rate at 0.943% and the five-year rate at 1.531%, reflecting a general downward trend [4]. - Despite the overall decline in deposit rates, some small banks have introduced high-yield products, such as large-denomination certificates of deposit with rates above 2%, which are viewed as short-term strategies rather than sustainable practices [4][6]. Group 3: Industry Challenges and Recommendations - The ongoing decline in deposit rates poses challenges for small and medium-sized banks, which previously relied on high rates to attract depositors [6]. - Industry experts suggest that banks should focus on differentiated services and product innovation to enhance competitiveness rather than solely pursuing deposit growth [6]. - It is recommended that banks manage their liabilities effectively and maintain a sustainable growth strategy, avoiding blind expansion of deposit and loan scales [6].