多家银行下调存款利率 有的直降80个基点

Core Viewpoint - Several banks in China are reducing deposit interest rates, with a notable example being Suzhou Bank, which plans to lower its three-year deposit rate from 2.2% to 2.1% [1]. Group 1: Deposit Rate Adjustments - Multiple regional banks have accelerated the pace of deposit rate cuts, with some products seeing reductions of up to 80 basis points [1]. - Pingyang Pudong Rural Commercial Bank announced a reduction in various deposit rates, effective October 21, with the new rates for demand deposits dropping to 0.05% and significant cuts across different term deposits [1]. - The current three-year deposit rates at major banks like China Construction Bank and China Merchants Bank are significantly lower than the rates offered by smaller banks, with rates as low as 1.55% and 1.25% respectively [2][4]. Group 2: Interest Rate Inversion Phenomenon - There is a noticeable "inversion" in deposit rates, where shorter-term deposits offer higher rates than longer-term ones, leading to situations where "storing for three years is less beneficial than storing for one year" [1]. - This inversion is attributed to expectations of declining interest rates and banks' need to adjust their liability structures [6]. - Experts suggest that the pressure on the liability side is prompting banks to lower long-term deposit rates to optimize their funding costs [6].