多家银行下调存款利率：有的直降80个基点

Core Viewpoint - Recent interest rate cuts on deposits by several small and medium-sized banks indicate a shift in the banking sector, with some banks reducing rates by as much as 80 basis points, reflecting a broader trend of interest rate adjustments in response to market conditions [1] Group 1: Interest Rate Adjustments - Multiple regional banks, including Pingyang Pudong Development Village Bank, Fujian Huatong Bank, and Huixian Zhujiang Village Bank, have announced reductions in deposit interest rates since October [1] - The adjustments have led to a phenomenon of "inverted" deposit rates, where longer-term deposits yield lower returns than shorter-term ones, with some banks showing scenarios where a three-year deposit is less favorable than a one-year deposit [1] Group 2: Factors Influencing Rate Changes - The occurrence of inverted deposit rates among various banks is attributed to expectations of declining interest rates and the need for banks to adjust their liability structures [1]