多家银行宣布下调存款利率

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points, reflecting a response to previous rate cuts by larger commercial banks and the need to address downward pressure on net interest margins [1][5]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [1]. - Highmi Hui Min Village Bank in Shandong has lowered the annual interest rates for personal fixed deposits of 6 months, 1 year, and 2 years by 10 basis points, while the rates for 3-year and 5-year deposits have been reduced by 20 basis points [2]. - Jilin Longtan Huayi Village Bank has also adjusted its deposit rates, lowering the annual interest rate for demand deposits from 0.2% to 0.15%, and reducing rates for various fixed deposit terms by 10 to 20 basis points [3]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjing Hengtai Village Bank have similarly announced reductions in deposit rates, primarily between 10 to 20 basis points [4]. Group 2: Market Context and Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major banks, which included a maximum cut of 25 basis points [5]. - As of May, the six major banks have set their demand deposit rates at 0.05%, with three-year and five-year deposit rates at 1.25% and 1.3%, respectively [5].