中小银行存款利率调整现分化 有的下降30个基点 有的逆势上调

Core Viewpoint - The recent adjustments in deposit interest rates by small and medium-sized banks indicate a shift from uniform rate cuts to more differentiated and flexible management strategies based on individual bank conditions [1][4][5] Group 1: Interest Rate Adjustments - As of January 5, 2023, the three-year fixed deposit product with an interest rate of 2.2% was officially withdrawn, and all deposit products saw a decrease of 20 basis points [1] - Various small and medium-sized banks, including Suzhou Commercial Bank and others, have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 rates being cut by as much as 30 basis points [2] - Specific banks like Puyang Zhongyuan Village Bank have adjusted their rates for different terms, with three-month, six-month, and two-year deposits down by 30 basis points, while one-year and five-year rates were reduced by 25 and 20 basis points respectively [2] Group 2: Contrasting Rate Increases - In contrast to the general trend of rate cuts, some banks have increased their deposit rates to attract customers, such as Wuding Xingfu Village Bank, which raised rates for various terms by 5 to 10 basis points [3] - Other banks, like Shanxi Hunyuan Rural Commercial Bank, have introduced large-denomination certificates of deposit with rates higher than their standard offerings, indicating a competitive strategy to attract deposits [3] Group 3: Strategic Management Approaches - The current trend of differentiated interest rate adjustments reflects a more refined asset-liability management approach among regional banks, moving away from a one-size-fits-all strategy [4][5] - Analysts suggest that the varying strategies in deposit rate adjustments are influenced by each bank's asset-liability structure, competitive positioning in regional markets, and the need to balance deposit pressure and customer retention [5]