多家银行公告：下调存款利率

Core Viewpoint - Recent adjustments in deposit rates by private banks indicate a shift away from the "high-interest deposit" strategy, reflecting changes in market conditions and operational strategies within the banking sector [1][2][3] Group 1: Deposit Rate Adjustments - Beijing Zhongguancun Bank has lowered its two-year deposit rate from 2.4% to 2.20% as of February 26, 2023, with three-year deposits already removed from offerings [1] - Other private banks, including Wuxi Xishang Bank and Anhui Xin'an Bank, have also reduced their deposit rates, with Wuxi Xishang Bank's two-year rate down by 50 basis points to 2.0% and three-year rate down by 25 basis points to 2.6% [1][2] - Anhui Xin'an Bank's recent adjustments include a two-year deposit rate of 2.80%, following a previous adjustment in January where the three-year rate was set at 2.90% [2] Group 2: Reasons for Rate Reductions - The decline in deposit rates among private banks is attributed to the overall downward trend in market interest rates, which has led to a follow-up adjustment in deposit rates across the industry [2][3] - The high deposit rates previously offered by private banks have increased their liability costs, prompting a need to lower rates to manage net interest margin pressures [2][3] - The scarcity of quality loan assets has made it necessary for banks to adjust deposit rates as a response to both market reforms and asset-side pressures [3] Group 3: Recommendations for Depositors - Experts suggest that depositors should recognize the normalization of low-interest rates and consider locking in long-term high-interest deposits during this rate reduction phase [3] - For medium to long-term strategies, diversifying investments through government bonds, low-risk financial products, and funds is recommended to balance returns and liquidity [3]