多家村镇银行存款利率下调，下调幅度最高达20BP

Group 1 - Multiple village banks in China have announced a reduction in deposit interest rates, with decreases ranging from 5 basis points (BP) to 20 BP across various deposit terms, particularly affecting three and five-year deposits [1][2][3] - The adjustments are seen as a response to the downward trend in market interest rates, aimed at managing liability costs and alleviating net interest margin pressure for small and medium-sized banks [1][4] - The average interest rates for different deposit terms have shown a decline, with the three-month deposit rate at 0.943%, six-month at 1.149%, one-year at 1.278%, two-year at 1.369%, three-year at 1.702%, and five-year at 1.531%, reflecting changes of -0.6 BP to 0.7 BP [4] Group 2 - Experts predict that a new round of deposit rate cuts may occur in the third and fourth quarters, with potential adjustments expected around October [5][6] - Despite the overall downward trend in deposit rates, some small banks have introduced high-yield products, such as large-denomination certificates of deposit with rates exceeding 2%, which are viewed as short-term strategies rather than sustainable solutions [4][5] - The current environment poses challenges for small banks that previously relied on high interest rates to attract depositors, necessitating a shift towards differentiated services and product innovation to enhance competitiveness [6]