又有银行下调利率，存钱越来越没利息了！

Group 1 - Several village banks in Zhejiang, Guizhou, and Jilin have announced reductions in deposit interest rates, with decreases ranging from 10 to 20 basis points [1] - Jiangsu Bank has lowered its three-year fixed deposit rate from 1.85% to 1.75%, a reduction of 10 basis points, while Zhejiang Shengzhou Ruifeng Village Bank has reduced its five-year fixed deposit rate to 1.3% [1] - The four major banks' two-year, three-year, and five-year deposit rates are currently at 1.05%, 1.25%, and 1.30%, respectively, which were adjusted in May [1] Group 2 - The trend of interest rate cuts typically starts with large banks lowering their deposit rates, followed by smaller banks [3] - Smaller banks have been quicker to follow the rate cuts initiated by larger banks, with some even offering lower rates than the major banks, such as Beijing Huairou Rongxing Village Bank's three-year and five-year rates at 1.20% [4] Group 3 - A new round of interest rate cuts may be on the horizon as smaller banks have nearly completed their adjustments [5] - The latest Loan Prime Rate (LPR) has remained unchanged for three consecutive months, leading to speculation about potential rate cuts in September [6] Group 4 - The likelihood of a rate cut in September hinges on two main factors: the actions of the Federal Reserve and domestic economic data [8] - The Federal Reserve has maintained its interest rate at 4.25%-4.5% as of July, with employment and inflation data being critical indicators for future rate decisions [10] Group 5 - Market analysis suggests a 92% probability of a rate cut in September, with expectations of a 25 basis point reduction, potentially increasing to 50 basis points if employment data worsens [10] - Warren Buffett's recent investments in housing-related stocks indicate a belief that lower interest rates are forthcoming, which could signal a turning point for the housing industry [13] Group 6 - Domestic economic data shows underperformance, with July's consumption growth at 3.7%, industrial value-added growth at 5.7%, and fixed asset investment growth at only 1.6%, all below market expectations [14][15] - The reliance on exports is insufficient to support economic growth, and uncertainties in exports further complicate the outlook for September's LPR adjustments [15]