部分银行上调定期存款利率

Core Viewpoint - Some banks have raised their fixed deposit rates despite the overall trend of declining deposit rates, aiming to attract customer deposits during the traditional year-end savings season [2][3]. Group 1: Deposit Rate Adjustments - Banks such as Hangzhou Bank, Ningbo Bank, and Shengjing Bank have increased the rates on certain deposit products, with Hangzhou Bank offering a 3-year fixed deposit rate of 1.9% for new funds starting from 200,000 yuan, up by 10 basis points from previous rates [4][5]. - Ningbo Bank has raised its 1-year fixed deposit rate for new funds over 200,000 yuan to a maximum of 1.6%, up from 1.5%, and for 3-year fixed deposits over 50,000 yuan to a maximum of 1.85%, up from 1.55% [5]. - Shengjing Bank has introduced a new deposit product with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms respectively, with a minimum deposit of 10,000 yuan [5]. Group 2: Market Dynamics and Future Outlook - Industry experts suggest that the rate increases are a temporary measure to attract deposits, particularly for smaller regional banks facing more significant pressure to gather funds [6]. - The adjusted deposit rates may remain in effect until the end of the year, but could be adjusted based on the banks' deposit acquisition needs [7]. - In contrast, many large state-owned banks are reducing high-cost long-term deposits and have collectively withdrawn 5-year large certificates of deposit, indicating a broader trend of lowering deposit costs [9]. - Analysts predict that banks will continue to lower deposit rates to manage funding costs and stabilize net interest margins, with varying strategies across different institutions [10].