多家中小银行，调整存款利率

Core Viewpoint - The recent adjustments in deposit interest rates by several small and medium-sized banks indicate a shift towards differentiated and phased rate changes, moving away from the previous trend of uniform rate cuts [1][4]. Group 1: Interest Rate Adjustments - On January 5, 2023, the three-year deposit product with an interest rate of 2.2% was officially withdrawn, and all fixed deposit rates were reduced by 20 basis points [1]. - Various small and medium-sized banks, including Suzhou Commercial Bank and others, have announced adjustments to their deposit rates, with some banks lowering rates while others are increasing them [2][3]. - For instance, Puyang Zhongyuan Village Bank reduced its three-month, six-month, and two-year deposit rates by 30 basis points, while the three-year rate remained unchanged [2]. Group 2: Competitive Strategies - Some banks are adopting a strategy of increasing deposit rates to attract customers, with Wu Ding Xingfu Village Bank raising its one-year and two-year rates by 10 basis points [2]. - The trend of differentiated adjustments reflects a strategic choice by small and medium-sized banks to manage their liabilities more effectively amid competitive pressures and high funding costs [4]. - Analysts suggest that the current mixed adjustment pattern is a response to the ongoing pressure on net interest margins and the need for banks to attract depositors sensitive to interest rates [4].