又一家民营银行拟调降存量存款综合利率？最新回应

Core Viewpoint - Jiangxi Yumin Bank is considering stopping the issuance of existing deposit points, which has led to dissatisfaction among depositors [1][10]. Group 1: Deposit Products and Interest Rates - Yumin Bank previously offered deposit products with interest points, which were perceived as part of the deposit interest rate, with initial combined annualized rates reaching 3.6% for 3-year and 5-year products, later decreasing to around 3.3% [2][11]. - The bank's current standard rates for various terms are 1.35% for 1-year, 1.5% for 2-year, 2% for 3-year, and 2.05% for 5-year, with additional points that raised the effective rates to 3.1% to 3.3% [2][11]. Group 2: Customer Reactions and Communication - Many depositors have expressed their opposition to the proposed changes, with some contacting customer service to voice their concerns [4][13]. - The bank's customer service stated that the plan is still in the consultation phase and has not been officially confirmed, indicating that customer feedback will be collected and considered [3][13]. Group 3: Regulatory Environment and Market Trends - There has been a trend among private banks to lower the comprehensive interest rates on existing deposits, with regulatory bodies increasing scrutiny on deposit solicitation practices [7][18]. - Recent regulations have prohibited banks from using manual interest supplements and promotional interest coupons to attract deposits, aiming to maintain order in the deposit market [8][18].