多家中小银行下调存款利率，如何面对低利率的机遇与挑战？| 封面专题

Core Viewpoint - The article discusses the recent trend of declining deposit interest rates in various regions of China, highlighting the implications of a low interest rate environment on the banking sector and the broader economy [3][5][6]. Summary by Sections Deposit Rate Adjustments - Several village banks in regions such as Zhejiang, Guizhou, and Jilin have announced reductions in deposit interest rates, with decreases ranging from 10 to 20 basis points [3]. - For instance, Jilin Longtan Huayi Village Bank adjusted its interest rates for various deposit types, including a reduction of the annual interest rate for demand deposits from 0.20% to 0.15% and for 1-day notice deposits from 0.65% to 0.55% [3]. - Similarly, other banks like Jilin Baishan Hunjiang Hengtai Village Bank and Shengzhou Ruifeng Village Bank have also lowered their rates for different term deposits, with reductions of 10 to 20 basis points [5]. Current Interest Rate Trends - As of July 2025, the average interest rates for various term deposits have shown a downward trend, with the 3-month rate at 0.943% and the 1-year rate at 1.278%, reflecting a decrease compared to the previous month [6]. - The article suggests that the decline in deposit rates is not a short-term trend but may become a long-term norm due to structural and cyclical factors affecting the economy [6][9]. Low Interest Rate Environment - The low interest rate scenario is attributed to both structural constraints, such as declining potential economic growth and demographic changes, and cyclical factors like output and inflation gaps [7][9]. - The article emphasizes that the current low interest rates may persist for an extended period, influenced by global trends and domestic economic conditions [9]. Financial Sector Response - The financial sector is encouraged to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to adapt to the low interest rate environment [8]. - The article highlights the need for banks to enhance their financial services and product offerings to meet the evolving demands of the economy [8][14]. Challenges and Opportunities - The low interest rate environment presents both challenges and opportunities for various financial institutions, including the need for banks to innovate in asset-liability management and risk control [11][14]. - The article discusses the importance of policy coordination and the need for financial institutions to adapt to the changing landscape to ensure sustainable growth [12][14].