实探美元存款利率调整：有银行月内已两度下调

Core Viewpoint - The Federal Reserve announced its first interest rate cut since December 2024, lowering rates by 25 basis points, prompting renewed focus on various dollar-denominated assets [1] Summary by Sections Interest Rate Adjustments - Several foreign banks have adjusted their dollar deposit rates following the Fed's rate cut, with HSBC reducing rates by 10 to 20 basis points for new funds on September 22 [1][2] - DBS Bank has lowered its dollar deposit rates twice in September, with current rates for various terms being 3.1% for 1 month and 2.9% for 1 year [3] - East Asia Bank has also reduced its dollar deposit rates, offering competitive rates for new customers [4] Comparison of Foreign and Domestic Banks - Foreign banks generally offer higher dollar deposit rates compared to major domestic banks, which have not yet adjusted their rates significantly [1][6] - Major state-owned banks have a maximum rate of 2.8% for 1-year dollar deposits, while some city commercial banks offer more attractive rates, such as 3.8% for 3-month deposits [6][7] Market Reactions and Future Expectations - The market had anticipated the Fed's rate cut, leading some foreign banks to preemptively adjust their rates [2][8] - Analysts suggest that banks adjust rates based on various factors, including the Fed's policies and market conditions, with foreign banks being more responsive to international financial market changes [8] Customer Considerations - Customers are advised to consider factors such as exchange rate fluctuations, potential interest rate declines, and opportunity costs when choosing dollar deposits [9]