中小银行 存款利率调整现分化

Core Viewpoint - The recent adjustments in deposit rates by small and medium-sized banks indicate a shift from a uniform rate cut to a more nuanced approach, with some banks lowering rates while others are increasing them, reflecting a trend towards differentiated and strategic management of liabilities [1][4][5] Group 1: Rate Adjustments - On January 5, Suzhou Commercial Bank officially lowered its three-year fixed deposit rate from 2.2% to 1.9%, with all fixed deposit rates decreasing by 20 basis points [1][6] - Other banks, such as Puyang Zhongyuan Village Bank and Xuwen Rural Commercial Bank, have also announced rate cuts, with some rates dropping by 30 basis points for various terms [2][7] - The trend of rate adjustments is not uniform; for instance, Xuwen Rural Commercial Bank maintained rates for certain terms while reducing others by 5 basis points [2][7] Group 2: Banks Increasing Rates - In contrast to the general trend of rate cuts, some banks like Wuding Xingfu Village Bank have increased their deposit rates, with one-year and two-year rates rising by 10 basis points [3][8] - Shannan Rural Commercial Bank is offering temporary rate increases for deposits made before March 31, with rates for various terms up by 15 to 14 basis points [3][8] - Biyang Rural Commercial Bank has launched a promotional period with higher rates for one-year, two-year, and three-year deposits, reaching up to 1.73% [3][8] Group 3: Strategic Management of Liabilities - The beginning of the year is critical for banks to attract deposits, leading some smaller banks to temporarily raise rates to appeal to yield-sensitive customers [4][10] - Analysts suggest that the current mixed rate adjustment strategy reflects the pressures of net interest margins and competitive deposit acquisition, indicating a shift towards more refined asset-liability management [5][10] - The differentiation in rate adjustments among banks is influenced by their individual asset-liability structures and competitive positioning in regional markets [5][10]