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多家中小银行密集发布,调整存款利率
Huan Qiu Wang·2025-08-23 02:07

Core Viewpoint - Recent interest rate cuts on deposits have been observed among small and medium-sized banks in various regions, including Zhejiang, Guangdong, and Jilin, with reductions ranging from 5 basis points (BP) to 20 BP, particularly notable in three-year and five-year terms [1][2]. Group 1: Interest Rate Adjustments - Guangdong ChaoYang Rural Commercial Bank has adjusted its deposit rates effective August 21, with three-month, six-month, one-year, and two-year rates reduced by 10 BP to 0.7%, 0.9%, 1%, and 1.1% respectively, while three-year and five-year rates were lowered by 15 BP to 1.3% and 1.35% [1][2]. - In Jilin, several village banks, including Changchun Chaoyang and Jilin Longtan Huayi, have also lowered their deposit rates starting August 20, with the current rates for three-month, six-month, one-year, and two-year deposits set at 1.15%, 1.35%, 1.6%, and 1.65%, all down by 10 BP [2][6]. - Zhejiang Shengzhou Ruifeng Village Bank announced new rates on August 19, with three-month, six-month, one-year, two-year, three-year, and five-year rates set at 0.8%, 1.1%, 1.15%, 1.15%, 1.3%, and 1.3%, reflecting a decrease of 10 to 20 BP [6][7]. Group 2: Trends in Deposits - Jilin BaiShan HunJiang Hengtai Village Bank has reduced its deposit rates four times this year, with all term rates now below 2% after initial rates were 2%, 2.1%, 2.3%, and 2.05% for one-year, two-year, three-year, and five-year deposits respectively [3]. - Shenzhen Pingshan Zhujiang Village Bank has also joined the trend, lowering its one-year fixed deposit rate from 2% to 1.8%, a reduction of 20 BP, and its agreed deposit rate from 0.8% to 0.5%, down 30 BP [7]. - According to a report by CITIC Securities, since the establishment of the market-oriented adjustment mechanism for deposit rates in 2022, commercial banks have been reducing their funding costs, leading to a decrease in the attractiveness of deposits for savers, as evidenced by a year-on-year reduction of 780 billion yuan in household deposits in July [7].