多家银行宣布：下调！

Core Viewpoint - Several small and medium-sized banks have announced reductions in RMB deposit interest rates, with decreases ranging from 10 to 20 basis points [1][12]. Group 1: Recent Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their 3-year fixed deposit rates [2]. - Nanjing Bank's 3-year deposit rate was reduced from 1.85% to 1.75% [4]. - Jiangsu Bank's 3-year deposit rate was also lowered from 1.85% to 1.75% [6]. Group 2: Specific Bank Rate Changes - Jilin Longtan Huayi Village Bank reduced its current deposit rate from 0.2% to 0.15% and lowered the rates for various fixed deposit terms by 10 to 20 basis points [8]. - Gaomi Huimin Village Bank announced a reduction in its fixed deposit rates, with 6-month, 1-year, and 2-year rates down by 10 basis points, and 3-year and 5-year rates down by 20 basis points [9]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjiang Hengtai Village Bank also announced similar reductions across multiple deposit products, primarily between 10 to 20 basis points [10]. Group 3: Market Context and Future Outlook - The recent rate cuts are seen as a follow-up to earlier reductions by major commercial banks and a response to the pressure of declining net interest margins [12]. - In May, major banks including ICBC, ABC, Bank of China, and others reduced their deposit rates by up to 25 basis points, with current deposit rates at 0.05% and 3-year and 5-year rates at 1.25% and 1.3%, respectively [14].