中小银行，调降存款利率！有产品直降80个基点

Core Insights - The recent trend shows a significant reduction in deposit rates among various regional banks, with some banks announcing cuts of up to 80 basis points [1][2][4] - A notable phenomenon of "inversion" in deposit rates is occurring, where short-term deposit rates exceed long-term rates, indicating a shift in the banking sector's approach to managing liabilities [5][13] Group 1: Deposit Rate Reductions - Several regional banks, including Pingyang Pudong Rural Bank and Fujian Huatong Bank, have announced reductions in deposit rates, with three-year and five-year rates dropping by as much as 80 basis points [2][4] - For instance, Pingyang Pudong Rural Bank's new rates effective from October 21 show a decrease in various term deposits, with three-year rates falling to 1.4% [2][4] - The trend of rate cuts has accelerated, with some banks adjusting rates multiple times within a short period, reflecting a responsive approach to market conditions [4] Group 2: Rate Inversion Phenomenon - The occurrence of "inversion" in deposit rates is evident across different types of banks, including state-owned, joint-stock, and city commercial banks, where shorter-term deposits offer higher rates than longer-term ones [5][10] - For example, China Construction Bank offers a three-year deposit rate of 1.55%, while the five-year rate is lower at 1.3% [6][10] - Industry experts attribute this inversion to expectations of declining interest rates and the need for banks to adjust their liability structures to manage costs effectively [13]