美联储重启降息后，实探美元存款利率调整：有银行已两度下调，优惠利率仍在“3字头”

Core Viewpoint - The Federal Reserve has restarted interest rate cuts after nine months, prompting a renewed focus on various dollar-denominated assets, particularly dollar deposits at banks [1]. Group 1: Interest Rate Adjustments - Several foreign banks have adjusted their dollar deposit rates following the Fed's rate cut, with HSBC lowering rates by 10 to 20 basis points on September 22 [2][3]. - HSBC's new rates for new funds starting from $20,000 are 3.5% for 1-month, 3-month, and 6-month deposits, and 3.05% for 12-month deposits, reflecting a decrease from previous rates [2][3]. - DBS Bank has also reduced its dollar deposit rates twice in September, with current rates for general accounts at 3.1% for 1-month and 2.9% for 1-year deposits [4][5]. Group 2: Comparison of Rates - Foreign banks generally offer higher dollar deposit rates compared to major domestic banks, which have not yet adjusted their rates significantly [1][9]. - Major state-owned banks have a maximum rate of 2.8% for 1-year dollar deposits, while some city commercial banks and private banks offer more attractive rates, such as 3.8% for 3-month deposits at Blue Ocean Bank [9][12]. Group 3: Market Reactions and Future Expectations - The adjustments in dollar deposit rates are influenced by the Fed's monetary policy, with expectations of further rate cuts in the near future [13]. - Banks are expected to continue monitoring market conditions and may adjust rates accordingly, with some banks indicating potential further reductions in October [8][9].