部分民营银行，下周或降息！

Core Viewpoint - The article discusses the recent trend of interest rate cuts on deposit products by various banks, particularly focusing on private banks, which still maintain a competitive edge in terms of deposit rates despite the reductions [1][5][6]. Group 1: Interest Rate Adjustments - As of May 27, certain deposit products will see interest rate reductions, with large time deposits likely decreasing by 30 basis points from 2.4% to 2.1% for 2-year terms and by 40 basis points from 2.6% to 2.2% for 3-year terms [1][3]. - Many private banks are expected to lower their deposit rates next week, although some have not yet received notifications regarding these changes [2][3]. Group 2: Competitive Advantage of Private Banks - Despite the interest rate cuts, private banks still offer deposit rates above 2%, with popular products being 2-year term deposits and large time deposits at a rate of 2.4% [5]. - The highest current rate for large time deposits at some private banks is 2.4% for a minimum deposit of 200,000 yuan, while other banks have rates that have dropped below 1% for certain terms [5][6]. Group 3: Current Market Trends - Many banks are now offering large time deposit rates that have entered the "1% era," with major banks like Industrial and Commercial Bank of China offering rates as low as 1.55% for 3-year deposits [6]. - The recent trend shows that state-owned banks and major commercial banks have significantly reduced their deposit rates, with some rates falling below 1% for one-year terms [5][6].