Core Insights - The Federal Reserve's recent decision to lower interest rates has led to a decrease in USD deposit rates across multiple banks, with most rates now in the "3" range, indicating a significant drop from previous high yields [1][2][3] Group 1: Impact of Federal Reserve's Rate Cut - The Federal Reserve cut the federal funds rate target range by 25 basis points to 4.00%-4.25%, marking its first rate cut since December 2024 [2] - Banks such as HSBC and Standard Chartered have responded by lowering their USD deposit rates, with HSBC reducing rates for 1-month and 6-month deposits to 3.5% [2][3] - Chinese banks, including Nanjing Bank, have also adjusted their USD deposit rates downward, with 1-year rates now at 3.3% and 3.55% for different deposit amounts [2][3] Group 2: Future Outlook for USD Deposit Rates - Experts predict that USD deposit rates will continue to decline, with a likelihood of reaching the "2" range as banks adjust to lower funding costs and competitive pressures [4][5] - The market views the current 3% USD deposit rate as a potential peak, with expectations of further rate cuts by the Federal Reserve [4][5] - The anticipated decline in USD deposit rates is expected to narrow the interest rate differential with RMB deposits, although USD deposits still hold some value in the short term [5][6] Group 3: Investment Considerations - Investors are advised to consider the risks associated with currency fluctuations, as a depreciation of the USD against the RMB could negate interest earnings [5][6] - The current environment suggests that investors should prioritize short-term USD products to capitalize on existing high rates while being cautious about long-term commitments [5][6] - A diversified asset allocation strategy is recommended over a singular focus on deposits to better balance risk and return [5][6]
多家银行纷纷下调美元存款利率 业内：未来大概率进一步下行
Sou Hu Cai Jing·2025-10-09 09:25