有的直降80个基点 有的“存三年不如存一年” 中小银行存款降息步伐加快

Core Viewpoint - The recent trend of small and medium-sized banks in China is to lower deposit interest rates, with a notable occurrence of interest rate inversion between short-term and long-term deposits, indicating a shift in banks' strategies to optimize their liability structures and manage funding costs [1][4][5]. Group 1: Deposit Rate Adjustments - Suzhou Commercial Bank plans to lower its three-year deposit rate by 10 basis points to 2.1% starting October 22, with new customers still eligible for a 2.2% rate [2]. - Other regional banks, such as Pingyang Pudong Development Village Bank and Fujian Huato Bank, have also announced significant reductions in their deposit rates, with some long-term rates dropping by as much as 80 basis points [2][3]. - The frequency of rate adjustments has increased, with some banks like Huixian Zhujiang Village Bank making multiple changes within a short period [3]. Group 2: Interest Rate Inversion Phenomenon - The phenomenon of interest rate inversion is becoming more pronounced across various types of banks, including state-owned, joint-stock, and rural commercial banks [4]. - For instance, China Construction Bank offers a three-year deposit rate of 1.55%, which is higher than its five-year rate of 1.3%, showcasing the inversion [4]. Group 3: Factors Behind Rate Changes - Industry experts attribute the inversion and rate reductions to expectations of declining interest rates and the need for banks to adjust their liability structures [5][6]. - The anticipated further cuts in interest rates by the central bank may compel banks to continue lowering deposit rates to manage their funding costs effectively [6].