多家银行下调存款利率！

Group 1 - Local small and medium-sized banks are continuously lowering deposit interest rates, with some banks announcing reductions of up to 35 basis points [1][2] - The recent trend of lowering deposit rates is a response to the pressure on net interest margins and follows similar actions taken by larger national banks earlier this year [2][3] - Retail deposit outflows have been significant, prompting banks to focus on wealth management strategies to mitigate the negative impact of declining deposits [1][4] Group 2 - The downward pressure on deposit rates is expected to continue, and banks need to diversify their products and services to enhance competitiveness [3] - Retail deposit growth has slowed for several banks, indicating increased pressure on retail liabilities [5][6] - Specific banks, such as China Merchants Bank and Ping An Bank, have reported significant declines in retail deposit growth compared to the previous year [6][7] Group 3 - In response to declining retail deposits, banks are expanding their wealth management offerings, with a focus on cash management and investment products [8] - The recent bull market in capital markets has led to increased sales of equity funds and other investment products by banks [8] - The "fixed income plus" products are seen as a new avenue for banks to attract deposits in a low-interest-rate environment [8]