个别银行“抢跑”年末揽储负债成本管控更趋精细化

Core Viewpoint - In the context of sustained pressure on net interest margins, many small and medium-sized banks are initiating a new round of interest rate cuts, actively lowering the upper limit of deposit rates to create space for profit growth [1][5]. Group 1: Deposit Rate Adjustments - Some banks have begun to quietly ramp up deposit acquisition efforts as the year-end approaches, combining this with refined and tiered customer management to stabilize general deposits while effectively controlling liability costs [1][3]. - Recent adjustments in deposit rates have seen most market deposit products enter the "1" range, with major state-owned banks' two-year, three-year, and five-year fixed deposit rates set at 1.05%, 1.25%, and 1.3% respectively [3][4]. - Some banks have implemented actual execution rates above the listed rates, with examples including Postal Savings Bank offering a one-year fixed deposit rate of 1.15% and large certificates of deposit at 1.25% [4]. Group 2: Marketing Strategies - Banks are employing various marketing strategies to attract deposits, such as cash rewards for customers who meet certain asset thresholds, as seen in activities launched by China Merchants Bank [2][3]. - The year-end "closing battle" and the beginning of the new year "opening red" strategy are emphasized by many banks, particularly in rural commercial banks in regions like Shanxi, Jiangsu, and Jiangxi [3][5]. Group 3: Liability Cost Management - The continuous narrowing of net interest margins has become a common challenge for the banking industry, leading to a focus on managing liability costs more effectively [4][6]. - The People's Bank of China has called for further reductions in overall bank liability costs to alleviate pressure on net interest margins, which has led to recent adjustments in deposit rates [5][6]. Group 4: Targeted Deposit Strategies - Banks are increasingly adopting differentiated deposit strategies for specific customer segments, particularly for older clients, offering higher interest rates and lower minimum deposit thresholds [7]. - This approach not only optimizes the liability structure but also helps in acquiring stable long-term funds while reducing liquidity management pressure [7].