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 reevaluation of dollar deposit rates across various banks, with foreign banks adjusting their rates more frequently than domestic banks [1][12]. Group 1: Foreign Banks' Dollar Deposit Rates - Several foreign banks have lowered their dollar deposit rates following the Fed's rate cut, with HSBC adjusting rates on September 22, 2023, for new funds: 1-month, 3-month, and 6-month rates at 3.5%, and 12-month at 3.05% for a minimum deposit of $20,000 [2][3]. - DBS Bank has also reduced its dollar deposit rates twice in September, with current rates for general accounts at 1-month 3.1%, 3-month 3.3%, and 1-year 2.9% [4][6]. - East Asia Bank offers promotional rates for new customers, with 1-month and 3-month rates at 3.15% and 3.55%, respectively, for deposits between $10,000 and $50,000 [7]. Group 2: Domestic Banks' Dollar Deposit Rates - Most domestic banks have not adjusted their dollar deposit rates, with state-owned banks offering a maximum rate of 2.8% for 1-year deposits, with minimum deposit amounts varying [8][10]. - For example, Bank of Communications and China Construction Bank both offer 1-month rates at 2.2% and 1-year rates at 2.8% for a minimum deposit of $5,000 [10][11]. - Some smaller banks, like Beijing Bank, offer more attractive rates, with 6-month rates at 2.7% and 1-year rates at 3% for a minimum deposit of $5,000 [11]. Group 3: Market Dynamics and Future Expectations - The adjustments in dollar deposit rates reflect banks' responses to market fluctuations and the Fed's monetary policy, with foreign banks typically more responsive to international market changes [12]. - Analysts suggest that the current dollar deposit rates remain higher than equivalent RMB deposit rates, attracting more savers, but caution that future rate cuts may occur as the Fed continues its easing cycle [13].