多家银行美元定存利率超3%

Group 1 - The Federal Reserve has lowered the federal funds rate target range by 25 basis points to between 3.5% and 3.75%, marking the third consecutive rate cut this year [1] - Many domestic banks have not yet adjusted their USD fixed deposit rates, with some products still offering rates above 3% [1] - The overall downward trend in USD fixed deposit rates in domestic banks is expected as the Federal Reserve enters a rate-cutting cycle [1][5] Group 2 - Despite the Fed's rate cuts, several banks are still offering high-yield USD deposit products, with some rates exceeding 3.5% [2] - Xi'an Bank has launched a USD fixed deposit product with rates up to 3.98% for certain terms, while Jiangsu Bank and Bohai Bank have also introduced competitive rates [2] - Foreign banks like Standard Chartered and others have also increased their short-term USD deposit rates, with some products reaching rates above 3% [3] Group 3 - The persistence of USD fixed deposit rates above 3% reflects the complexities of banks' asset-liability management and the lag in monetary policy transmission [4] - Banks may need to offer higher rates to attract deposits due to tight USD liquidity or to maintain profitability from their USD asset portfolios [4] - The pricing of USD fixed deposits by Chinese banks is influenced by multiple factors, including cross-border capital flows, rather than solely tracking the Fed's policy rate [4] Group 4 - Analysts predict a systematic decline in USD fixed deposit rates following the Fed's rate cuts, with a likely gradual decrease in the short term [5] - Historical trends indicate that banks typically adjust rates asymmetrically, raising rates quickly but lowering them slowly to protect net interest margins [5] - By 2026, mainstream USD fixed deposit rates are expected to drop to around 2%, with variations in the speed and extent of rate cuts among different banks [5] Group 5 - Investors are advised to be cautious about reinvestment risks as current high-yield deposits mature, potentially leading to lower rates [6] - A "barbell" strategy is recommended, balancing short-term products for liquidity with longer-term products to secure higher yields [6] - It is suggested that investors diversify their asset allocation to mitigate currency risk and prioritize products with high credit quality and robust risk management [6]