临近年末 部分银行上调相应存款利率

Core Viewpoint - Some banks are temporarily raising deposit rates as the year-end approaches, but this does not change the overall downward trend in commercial bank deposit rates [1][2][7]. Group 1: Deposit Rate Adjustments - Certain banks are offering higher rates for three-year fixed deposits, with rates reaching 1.9% for specific conditions [1][4]. - A bank in the eastern region has set a three-year fixed deposit rate at 1.8% for deposits starting from 200,000 yuan, reflecting recent rate increases [2][6]. - Despite some banks raising rates, many smaller banks are still reducing their deposit rates, with several village banks lowering their three-year fixed deposit rates from 1.75% to 1.65% [2][7]. Group 2: Rate Variability and Conditions - The rates for three-year fixed deposits vary based on deposit amounts, with 1.75% for deposits starting at 50,000 yuan and higher rates for larger deposits [3][4]. - The higher rates are often tied to promotional activities, and there are indications that these offers may be limited in availability [5][4]. Group 3: Long-term Deposit Trends - There is a noticeable trend of banks reducing the proportion of long-term deposit products, with many banks ceasing the sale of five-year personal large-denomination certificates of deposit [8]. - The average net interest margin for commercial banks as of the third quarter was 1.42%, with smaller banks generally offering higher deposit rates compared to large state-owned banks [9].