多家中小银行下调存款利率：最高降幅20个基点，活期最低0.15%

Core Viewpoint - Several village banks in Zhejiang, Jilin, and Guizhou have announced a reduction in deposit interest rates, with decreases ranging from 10 to 20 basis points, particularly affecting three and five-year term deposits [1][2]. Summary by Sections Deposit Rate Adjustments - Zhejiang Shengzhou Ruifeng Village Bank adjusted its personal fixed deposit rates for various terms, with three-year and five-year rates set at 1.3%, down by 10 to 20 basis points from previous rates [1]. - Jilin Longtan Huayi Village Bank announced a reduction in its deposit rates effective August 20, with the annual interest rate for demand deposits dropping from 0.2% to 0.15%, and fixed deposit rates for various terms reduced by 10 to 20 basis points [1][2]. Other Banks' Rate Changes - Jilin Baishan Hunjiang Hengtai Village Bank also lowered its personal fixed deposit rates, with two-year and below rates down by 10 basis points and three to five-year rates down by 20 basis points [2]. - Other small banks, such as Jilin Changyi Yuyin Village Bank and Guiding Hengsheng Village Bank, have similarly announced deposit rate reductions in the range of 10 to 20 basis points [2]. High-Interest Large Deposits - Several small banks have introduced large time deposit products with interest rates exceeding 2%, attracting significant investor interest. For instance, Jiangsu Sushang Bank offers two-year and three-year large deposits with rates of 2.1% and 2.3%, respectively [2]. - Shanghai Huari Bank has launched a two-year large deposit with a rate of 2.35%, available only to local customers [2]. Industry Insights - Citic Baixin Bank promoted its large deposit products, highlighting a 2.2% annual interest rate as competitive amid general rate reductions [3]. - Industry experts note that small banks face challenges such as weak customer bases and high reliance on high-interest deposits, which can strain their financial stability [3]. - The reliance on high-interest deposits may lead to unsustainable practices, prompting small banks to enhance local service capabilities and develop differentiated business strategies to meet funding needs [3].