揽储大战升温，中小银行竟加息“抢”钱

Group 1 - The core viewpoint of the article highlights that as the Spring Festival approaches, small and medium-sized banks are increasing their deposit attraction efforts by raising interest rates on certain deposit products, although this is not a uniform trend across the industry [2][16] - Despite the upward adjustment in deposit rates by some banks, the overall trend in the banking sector is still towards lowering deposit rates due to macroeconomic adjustments and pressure on net interest margins [2][16] - As of the end of Q3 2025, the net interest margin for commercial banks was reported at 1.42%, remaining stable quarter-on-quarter but down by 0.1 percentage points year-on-year [2][16] Group 2 - Specific banks, such as Hunan Xinhang Rural Commercial Bank and others, have announced increases in deposit rates for various terms, with rates for 1-year, 2-year, and 3-year deposits reaching 1.30%, 1.40%, and 1.75% respectively [4][18] - Other banks, including Inner Mongolia Rural Commercial Bank and Shanxi Zhezhou Rural Commercial Bank, have also raised their deposit rates, with some offering limited-time promotional products [6][20] - The adjustments in deposit rates are characterized by "limited time, limited amount, and high thresholds," indicating a targeted marketing strategy to attract deposits during specific periods [7][21] Group 3 - Despite most banks having deposit rates in the "1% range," there are still products available with rates above 2%, primarily in the form of special term deposits or large certificates of deposit [8][22] - For instance, Guizhou Xifeng Rural Commercial Bank offers a 3-year deposit rate of 2.05% and a 5-year rate of 2.1%, with a low minimum deposit requirement [9][23] - Ningbo Tongshang Bank has introduced a limited-time 3-year large certificate of deposit with a rate of 2.1%, requiring a minimum deposit of 200,000 yuan [10][24] Group 4 - The phenomenon of "rate increases" before the Spring Festival reflects the tactical marketing strategies of small banks to address short-term liquidity needs and compete for quality deposits [12][26] - This behavior is seen as a localized and temporary market action rather than a reversal of the overall industry trend, with high-interest products remaining limited in scope and sustainability [12][26] - The People's Bank of China has indicated a continued implementation of moderately loose monetary policy to keep financing costs low, suggesting that deposit rates are likely to stabilize or decline in the future [13][27]