银行美元定存利率普遍降至3%左右

Core Viewpoint - The Federal Reserve has lowered the federal funds rate target range by 25 basis points to between 3.75% and 4%, marking the second rate cut this year, which has led to a significant adjustment in bank dollar time deposit rates [1] Group 1: Impact of Federal Reserve Policy - The adjustment of dollar time deposit rates by banks has accelerated following the Federal Reserve's second rate cut this year [2] - Banks have transitioned from "4% range" to "3% range" for dollar time deposit rates, with some banks reporting specific rate reductions across various terms [2][3] - For example, Hengfeng Bank has adjusted its dollar deposit rates for different terms, with 3-month, 6-month, 1-year, and 2-year rates now at 2.65%, 2.75%, 3.1%, and 2.6% respectively, down from previous rates [2] Group 2: Future Outlook on Dollar Deposit Rates - Industry experts believe there is still room for further declines in dollar deposit rates, with a high probability of rates entering the "2% range" by the end of the year [4][5] - The downward trend in dollar deposit rates is expected to continue as the Federal Reserve is anticipated to lower rates again in December and potentially into 2026 [4] - Experts suggest that investors should carefully evaluate the risks associated with dollar deposits, including interest and exchange rate risks, and consider diversified investment strategies [5]