一线探访！部分银行已启动美元存款“降息”，降幅最高达25BP

Core Viewpoint - A new round of "interest rate cuts" for USD deposits has begun following the Federal Reserve's recent decision to lower the federal funds rate target range by 25 basis points [1] Group 1: Bank Reactions - Some foreign banks and city commercial banks have quickly adjusted their USD deposit rates, while large state-owned banks have not yet made changes [1][3] - For instance, Nanjing Bank has reduced its one-year USD deposit rate to 3.3% for deposits starting at $50,000, down from 3.4%, and to 3.55% for $200,000, down from 3.8% [3] - HSBC has also lowered its USD deposit rates on the same day the Fed announced the cut, with new rates for various deposit amounts [6] Group 2: Market Response - Despite the rate cuts, there has not been a rush among investors to lock in USD deposits, indicating a rational market response [8] - Investors are showing a cautious attitude towards USD deposit rate reductions, with many not fully committing their funds to USD deposits [8][9] - The demand for USD deposits is primarily driven by diversification needs or actual usage of USD rather than high interest rates [8] Group 3: Future Outlook - Analysts expect further reductions in USD deposit rates within the year, with predictions of additional cuts by the Federal Reserve in upcoming meetings [10] - Factors influencing the outlook include potential currency fluctuations, ongoing interest rate declines, and opportunity costs associated with alternative investment options [10]