利率下调，最高80个基点，多家银行行动

Core Viewpoint - A new round of deposit rate cuts has begun among regional small and medium-sized banks, with over ten banks announcing reductions in October, primarily affecting fixed-term deposits [1][2]. Group 1: Deposit Rate Adjustments - Several small banks, including Pingyang Pudong Village Bank and Shantou Bay Agricultural Commercial Bank, have announced reductions in deposit rates, with the largest cut reaching 80 basis points [1]. - For instance, Pingyang Pudong Village Bank has adjusted its fixed-term deposit rates for various terms, with reductions of 40 to 80 basis points across different maturities [1]. - Shantou Bay Agricultural Commercial Bank has also lowered its fixed-term deposit rates, with adjustments ranging from 15 to 20 basis points for terms from three months to five years [4]. Group 2: Reasons for Rate Cuts - The primary reason for these rate cuts is the decrease in the Loan Prime Rate (LPR), which has prompted small banks to follow suit after larger state-owned banks made similar reductions [4]. - Analysts suggest that these adjustments are necessary for small banks to stabilize their interest margins amid a declining interest rate environment [4]. - A report from CITIC Securities indicates that the downward pressure on existing deposit rates will likely accelerate due to the expiration of high-interest deposits and the activation of deposits, potentially leading to a 10 basis point rate cut in the fourth quarter [4].