一批中小银行下调存款利率 降幅最高达80个基点

Core Viewpoint - Regional small and medium-sized banks have initiated a new round of deposit rate cuts in the fourth quarter, following a trend set by larger banks [1][3]. Group 1: Deposit Rate Adjustments - Over 10 small and medium-sized banks have announced reductions in deposit rates since October, including Pingyang Pudong Village Bank and Shantou Bay Agricultural Commercial Bank [1]. - Jiangsu Sushang Bank and Shanghai Huari Bank have also joined the trend, with Shanghai Huari Bank reducing its three-year fixed deposit rate from 2.3% to 2.15%, a decrease of 15 basis points [1]. Group 2: Rate Cut Magnitudes - The current round of rate adjustments primarily affects fixed deposits, with the largest cut reaching 80 basis points. For instance, Pingyang Pudong Village Bank has reduced rates across various terms, with the three-year rate cut by 80 basis points [2]. - Shantou Bay Agricultural Commercial Bank has adjusted its fixed deposit rates for various terms, with reductions ranging from 15 to 20 basis points [2]. Group 3: Market Context and Implications - The primary reason for these rate cuts is the decrease in the Loan Prime Rate (LPR), which has prompted smaller banks to follow suit after larger banks made similar adjustments [3]. - Analysts suggest that the decline in deposit rates will help alleviate the pressure on net interest margins for banks, potentially paving the way for future monetary easing [3].