美元定存新一轮降息来了，有银行逆势抢客，1个月定存利率达4.5%

Core Viewpoint - The article discusses the recent trend of banks lowering their USD deposit interest rates following the Federal Reserve's interest rate cut, while highlighting the ongoing appeal of USD deposits despite the risks associated with currency fluctuations. Group 1: Interest Rate Changes - Several banks have begun to lower their USD deposit rates, with Guangdong Huaxing Bank announcing a reduction of 25 basis points effective December 23, bringing the 1-year rate down to 3.65% from 3.90% [2] - Nanjing Bank has also adjusted its USD deposit rates, with a decrease from 3.55% to 3.42% for a 1-year product with a minimum deposit of $200,000 [2] - HSBC reported a decrease in rates for its USD deposits, with the 3-month rate dropping by 10 basis points to 3.50% [3] Group 2: High-Interest USD Deposit Products - Some smaller banks still offer competitive USD deposit rates above 3%, such as Xi'an Bank's 1-year rate at 3.98% [1][3] - Ant Bank (Hong Kong) has introduced a year-end promotion for USD deposits, offering a maximum annual interest rate of 4.5% for a 1-month deposit [4] Group 3: Currency Exchange Rate Considerations - The Chinese Yuan has strengthened against the USD, with the onshore and offshore rates surpassing 7.03, marking a 14-month high [1] - Analysts suggest that while USD deposit rates are attractive, investors must consider the risks associated with currency fluctuations, especially as the Yuan continues to appreciate [5][6] Group 4: Future Outlook - Analysts predict that USD deposit rates may continue to decline as banks seek to optimize their asset-liability structures following the Fed's rate cuts [5] - There is a recommendation for investors to avoid long-term, large-amount USD deposits and consider more flexible investment options [6]