多家中小银行下调存款利率，最高下调20个基点

Group 1 - Several small and medium-sized banks have announced a reduction in RMB deposit rates, with cuts ranging from 10 to 20 basis points [1] - Major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, and Bank of China collectively lowered their deposit rates for the first time since 2025, marking the seventh proactive reduction since the market-oriented adjustment mechanism was established in April 2022 [1] - As of the end of the second quarter, the net interest margin for commercial banks in China was 1.42%, a decrease of 0.01 percentage points from the end of the first quarter [5] Group 2 - The chief researcher from Zhaolian suggested that small and medium-sized banks should adopt differentiated competition strategies, focusing on regional economic characteristics and the needs of small and micro enterprises [5] - With the decline in deposit rates and improving resident expectations, the attractiveness of capital and wealth management markets may further increase [5] - The researcher from Postal Savings Bank of China indicated that deposit rates still face downward pressure, urging residents to balance returns and risks based on their investment experience and risk preferences [5]