美联储降息之后：银行下调美元定存利率，储户各想办法锁定收益

Core Viewpoint - The Federal Reserve announced a 25 basis point cut in the federal funds rate target range, marking its first rate cut of 2025 and the fourth consecutive cut since 2024 [2] Group 1: Impact on Domestic Banks - Following the Fed's rate cut, domestic banks in China have begun to adjust their USD fixed deposit rates, with many local banks reducing rates that were previously above 4% [3] - Huashang Bank lowered its USD fixed deposit rates by 25 basis points, with new rates for 1-month, 3-month, and 6-month deposits set at 3.75%, 3.85%, and 3.90% respectively [3] - Xi'an Bank and Chongqing Three Gorges Bank are also expected to lower their USD fixed deposit rates, with Xi'an Bank's rates dropping from 3.6%, 4.1%, 4.3%, and 4.3% to 3.2%, 3.6%, 3.98%, and 3.98% for various terms [3][4] Group 2: Customer Strategies - Customers are advised to deposit USD quickly to lock in rates above 4% before further reductions take effect [4] - Chen Li, a customer, received notice of a significant rate cut from Guangdong Huaxing Bank before the Fed's decision, prompting her to secure deposits at higher rates [5] - Chen's experience highlights the trend of customers acting swiftly to secure higher rates before anticipated cuts, as she managed to deposit funds at rates above 4% prior to the adjustments [6] Group 3: Hong Kong Market Dynamics - In contrast to mainland banks, many banks in Hong Kong continue to offer attractive USD fixed deposit rates, with some rates exceeding 3% [8] - A virtual bank in Hong Kong launched a promotional USD fixed deposit with a rate of 5.09%, attracting significant customer interest [8][9] - Major banks in Hong Kong, such as HSBC and Bank of China Hong Kong, have maintained their USD deposit rates despite the Fed's rate cut, with rates around 3.5% to 3.7% for various terms [9][10]