美联储再度降息 部分银行美元存款利率仍超3%

Group 1 - The Federal Reserve has lowered the federal funds rate by 25 basis points to a range of 3.50% to 3.75%, aligning with market expectations [1] - Following the rate cut, banks and financial institutions are intensifying their promotion of USD deposits and investment products, with some products offering annualized yields in the "3% range" and approaching 4% [1][2] - Despite attractive yields, industry experts caution investors to be aware of interest rate decline risks during the Fed's easing cycle and potential foreign exchange losses due to the appreciation of the RMB [1] Group 2 - USD deposit rates are generally on a downward trend, yet many institutions are still offering relatively high-yield USD products [2] - Chinese banks are maintaining USD deposit rates in the "3% range," with examples including Bohai Bank offering a 1-year term at 3.10% and Hengfeng Bank at 3.30% [2] - Some city commercial banks are offering even higher rates, with 1-year rates reaching up to 3.9% and lower minimum deposit amounts [2] Group 3 - Foreign banks are also promoting competitive short-term USD deposit rates, with Standard Chartered Bank offering rates up to 3.6% for 1-month and 3-month terms [3] - Investment firms are actively promoting USD fixed-income products, with ICBC Wealth Management's product achieving an annualized yield of 4.97% since its inception [3] - Analysts believe that the appeal of USD fixed-income assets will remain in the short term, but future yields may fluctuate with market interest rate adjustments [3] Group 4 - Since September, the Federal Reserve has cut rates three times, totaling 75 basis points, leading to increased scrutiny on the future trajectory of USD deposit rates and asset yields [4] - The continuous appreciation of the RMB is exerting pressure on the actual returns of USD investments, with the RMB appreciating 3.24% against the USD this year [4] - Analysts predict a potential policy "wait-and-see" period for the Fed, with expectations of a pause in rate cuts until early 2026 to assess the impact of previous cuts on the economy [4] Group 5 - Multiple institutions forecast that the RMB will likely maintain its upward trend in 2026, with predictions of it approaching the 6.8 to 7.0 range against the USD [9] - The appreciation of the RMB may lead to foreign exchange losses for investors, particularly when the RMB strengthens rapidly, potentially outweighing the interest income from USD deposits [9] - The downward trend in USD interest rates poses a risk for investors, with recommendations to lock in rates before further declines if there is a genuine need for USD [9]