多家中小银行宣布下调存款利率，最高降幅达20个基点

Core Viewpoint - Several small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points [1][4]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [3]. - Jilin Province's Longtan Huayi Village Bank has lowered its demand deposit rate from 0.2% to 0.15% and reduced the rates for various fixed deposit terms by 10 to 20 basis points [4]. - Shandong Province's Gaomi Huimin Village Bank has also announced similar reductions for fixed deposit rates across multiple terms [4]. Group 2: Industry Trends - The recent rate cuts are seen as a follow-up to earlier reductions by major commercial banks, which had decreased deposit rates by up to 25 basis points [6][8]. - The current rates for the six major banks are 0.05% for demand deposits, 1.25% for three-year deposits, and 1.3% for five-year deposits [8]. - The downward pressure on deposit rates is expected to continue, prompting individuals to balance returns and risks based on their investment experience and risk preferences [6].