多家银行宣布下调存款利率

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points [2][8]. Summary by Sections Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [3]. - Jilin Longtan Huayi Village Bank has lowered its demand deposit rate from 0.2% to 0.15% and reduced the rates for personal savings fixed deposits across various terms by 10 to 20 basis points [5]. - Shandong Gaomi Huimin Village Bank has also announced a reduction in fixed deposit rates, with a 10 basis point decrease for 6-month, 1-year, and 2-year terms, and a 20 basis point decrease for 3-year and 5-year terms [6]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjing Hengtai Village Bank have similarly reduced deposit rates, primarily by 10 to 20 basis points [7]. Market Context - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had lowered deposit rates by up to 25 basis points [8][9]. - The current rates for major banks are 0.05% for demand deposits, 1.25% for three-year deposits, and 1.3% for five-year deposits [9].