多家银行公告：下调存款利率！最高降了20个基点

Group 1 - Several small and medium-sized banks have announced reductions in deposit interest rates, indicating a response to the downward trend in market interest rates [1][2] - Jilin Longtan Huayi Village Bank adjusted its deposit rates, lowering the interest rate for demand deposits from 0.20% to 0.15%, and for various term deposits, with reductions of 10 basis points for terms up to two years and 20 basis points for three and five years [1] - Jiangsu Bank is also reducing its three-year fixed deposit rate from 1.85% to 1.75%, reflecting a broader trend among small banks to manage liability costs amid narrowing net interest margins [2] Group 2 - According to a report by Rong360 Digital Technology Research Institute, most bank deposit rates are on a downward trend, with the average rates for various terms decreasing, except for a slight increase in the three-year term [3] - Despite the overall decline in deposit rates, some small banks have introduced high-yield products, such as large-denomination certificates of deposit with rates exceeding 2%, indicating a competitive strategy to attract deposits [3] - Industry experts suggest that small banks should focus on managing liability costs and developing differentiated products to enhance competitiveness, rather than solely pursuing deposit growth [4]