几家中小银行宣布：调整存款利率 有升有降

Core Viewpoint - The adjustment of bank deposit interest rates has resumed at the beginning of the new year, with many small and medium-sized banks announcing changes, primarily continuing the trend of rate cuts while a few have selectively raised rates for certain fixed deposits [1] Group 1: Interest Rate Adjustments - Several small and medium-sized banks, including Anhui Xin'an Bank, Liaoning Zhenxing Bank, and Shanxi Hunyuan Rural Commercial Bank, have announced adjustments to their deposit interest rates in January [1] - Most banks are following a trend of lowering interest rates, while a minority of regional small and medium-sized banks have raised rates for specific fixed deposits [1] - The adjustments reflect a characteristic of "full-term coverage and differentiated reductions," with private banks and village banks being the main players in this round of adjustments [1] Group 2: Factors Influencing Adjustments - The differing strategies for deposit rate adjustments among banks are influenced by their balance sheet structures, competitive positioning in regional markets, and the trade-offs between liability pressure, cost control, and customer retention [1]