各大银行都降息了，这对老百姓的生活有什么影响？答案来了

Group 1 - The primary reason for the recent interest rate cuts by banks is the decline in yields of financial products and government bonds, with the yield on government bonds issued in September dropping by 0.15 percentage points [1] - A significant increase in household deposits, amounting to 10 trillion yuan in the first half of 2022, has provided banks with ample funds, leading to reduced lending pressure and the decision to lower deposit rates [3] - The main objective of the interest rate cuts is to lower banks' financing costs to better support the real economy and alleviate the financial burden on borrowers, thereby stimulating consumption and aiding economic recovery [4] Group 2 - The immediate impact of the interest rate cuts is a reduction in interest income for savers, exemplified by the Industrial and Commercial Bank of China's three-year fixed deposit rate decreasing from 2.75% to 2.60%, resulting in a loss of 1,500 yuan in interest income for a 1 million yuan deposit over one year [4] - For homebuyers, the reduction in mortgage rates from over 5.8% last year to 4.25% currently is a positive development, although previous borrowers will have to wait until early next year to benefit from the new lower rates [4] - There is a cautionary note regarding the potential for rising prices, as the influx of funds into the consumer market and lower consumer loan rates could lead to increased demand, impacting inflation levels in the near future [6]