新年伊始多家中小银行调整存款利率

Core Viewpoint - In early 2026, several small and medium-sized banks have begun adjusting their deposit interest rates, with some banks lowering rates while others are increasing them to attract deposits during the marketing season [1][2][3]. Group 1: Rate Adjustments - Puyang Zhongyuan Village Bank has reduced its deposit rates by up to 30 basis points for various term deposits starting January 1, 2026 [2]. - Anhui Xin'an Bank announced a decrease in its two-year fixed deposit rate from 2.35% to 2.25%, a reduction of 10 basis points, effective January 16, 2026 [2]. - Some banks, like Suixian Deshang Village Bank, have increased their one-year and three-year fixed deposit rates by 5 and 3 basis points respectively, indicating a mixed approach to rate adjustments [3]. Group 2: Market Dynamics - The adjustments in deposit rates reflect the varying strategies of banks based on their operational conditions and market competition, as noted by industry experts [4]. - The current marketing season has prompted some banks to raise deposit rates to enhance their appeal for attracting deposits, viewed as a temporary marketing strategy [4]. - Experts predict that the net interest margin pressure will persist, leading banks to continue managing their funding costs, with a long-term downward trend in deposit rates expected [4][5]. Group 3: Future Outlook - The net interest margin for small and medium-sized banks is anticipated to remain under pressure, with a cautious and orderly approach to deposit rate adjustments expected in 2026 [5]. - A significant simultaneous reduction in deposit rates across different types of banks is unlikely, with a trend towards differentiated and gradual adjustments [5].