利率下调！最高80个基点，多家银行行动！

Group 1 - A new round of deposit rate cuts has begun among regional small and medium-sized banks, with over 10 banks announcing reductions since October [1][4] - The largest cut observed was 80 basis points for certain term deposits, with specific banks like Pingyang Pudong Village Bank adjusting rates for various terms [1][4] - The adjustments primarily affect fixed-term deposits, with some banks also reducing rates for demand deposits and agreement deposits [2][4] Group 2 - The recent cuts in deposit rates are directly linked to the previous reductions in the Loan Prime Rate (LPR) by major state-owned banks, indicating a follow-up action by smaller banks [5] - Analysts suggest that the ongoing decline in loan rates necessitates adjustments in the asset-liability structure of small banks to manage net interest margin pressures [5] - Future expectations indicate that deposit rates may continue to decline, potentially easing the pressure on banks' net interest margins and paving the way for monetary easing [5]