“利率高于2％的银行都在陆续降息”，多家小银行下调存款利率，有的直降80个基点

Core Viewpoint - The recent trend of interest rate cuts among small banks in China indicates a shift towards lower deposit rates, with expectations of further reductions by the end of the year due to central bank policies aimed at alleviating net interest margin pressures [2][6][7]. Group 1: Interest Rate Cuts - Multiple small banks have announced reductions in deposit rates, with changes primarily affecting fixed-term deposits, showing declines between 15 to 80 basis points [3][4]. - Jiangsu Sushang Bank's three-year deposit rate is currently at 2.2%, while two-year rates are at 2.1%, reflecting a broader trend of rates entering the "1%" era [2][4]. - Zhejiang Pingyang Pudong Village Bank adjusted its fixed deposit rates across various terms, with three-year and five-year rates dropping by 80 basis points [3][4]. Group 2: Rate Inversion Phenomenon - Some banks are experiencing a "rate inversion" where longer-term deposit rates are lower than shorter-term rates, such as Shanghai Huari Bank's three-year rate of 2.15% being higher than its five-year rate of 2.1% [4][5]. - This inversion is attributed to market expectations of future rate declines and banks' debt structures aiming to increase short-term deposits [4][5]. Group 3: Future Expectations - Analysts predict that the central bank may implement another round of interest rate cuts and reserve requirement ratio reductions by the end of the year, which could lead to further declines in deposit rates [6][7]. - The current stability of the Loan Prime Rate (LPR) has lasted for five months, but there is potential for adjustments in response to external monetary policy trends and domestic economic conditions [7][8].