多家中小银行下调存款利率，面对“2 字头”大额存单，“存款特种兵” 却喊“不冲了”

Core Viewpoint - Recent interest rate cuts by state-owned banks have prompted many small and medium-sized banks to follow suit, particularly focusing on three and five-year fixed deposit rates, which have generally fallen below 2% with a reduction of 10 to 20 basis points [2][3][4] Group 1: Interest Rate Adjustments - Several village banks in regions such as Zhejiang, Jilin, and Guangdong have announced reductions in deposit rates, with declines of 10 to 20 basis points [3] - For instance, Zhejiang Shengzhou Ruifeng Village Bank has lowered its one and two-year fixed deposit rates by 20 basis points to 1.15%, while three and five-year rates have decreased by 10 basis points to 1.3% [3] - Jilin Longtan Huayi Village Bank and Changyi Yuyin Village Bank have also reduced their three and five-year fixed deposit rates by 20 basis points, bringing them down to 1.75% and 1.7% respectively [3] Group 2: Market Reactions and Trends - The stock market's recent performance has led some investors to shift their focus from high-interest deposits to equities, questioning the effectiveness of high-yield large-denomination certificates of deposit (CDs) as a tool for attracting deposits [2][8] - High Zhengyang, a researcher, noted that while the stock market's appeal is growing, low-risk investors still prefer deposits as a key asset allocation choice, indicating that high-yield large-denomination CDs may still play a positive role in attracting deposits [2][9] Group 3: Large-Denomination CDs - In response to the declining interest rates, several banks have introduced large-denomination CDs with annual rates exceeding 2%, such as Baixin Bank's 2.1% two-year CD and Su Bank's 2.2% three-year CD [6] - The attractiveness of these large-denomination CDs has diminished due to the stock market's performance, with some depositors expressing a preference for investing in stocks instead [8][9] - Despite the challenges, large-denomination CDs are still being consumed relatively quickly, particularly among clients looking for stable returns [9] Group 4: Long-term Strategies - Experts suggest that while high-yield large-denomination CDs can temporarily alleviate deposit pressure, banks should not overly rely on them and should focus on enhancing customer loyalty through differentiated services [10] - The need for banks to reduce their dependence on high-interest deposits and improve service capabilities is emphasized for sustainable growth [10]