宁波银行1月28日起下调定存金利率，活期降至0%、12个月期仅0.5%

Core Viewpoint - Ningbo Bank announced an adjustment to the interest rates of its fixed deposit gold products, effective January 28, 2026, while also warning about increased investment risks due to recent fluctuations in precious metal prices [1]. Summary by Categories Interest Rate Adjustment - The new interest rates for the fixed deposit gold products will be as follows: - Demand deposit: 0% - 1-month term: 0.3% - 3-month term: 0.3% - 6-month term: 0.4% - 12-month term: 0.5% [1]. Product Overview - The fixed deposit gold business allows investors to purchase gold-based fixed deposit shares by signing an agreement with the bank, specifying the quantity, term, and price [1]. - Upon maturity, investors can earn interest in RMB and have options to renew, redeem, or withdraw physical gold [1]. - The minimum investment threshold is set at 10 grams of gold, with a risk level classified as R3 (medium risk) [1]. Risk Awareness - In light of recent volatility in the precious metals market, Ningbo Bank emphasizes the importance of risk awareness for investors [1]. - Investors are advised to consider their financial situation and risk tolerance when making investment decisions, and to diversify their precious metal assets to mitigate potential risks from market fluctuations [1].