又一家民营银行拟调降存量存款综合利率？最新回应

Core Viewpoint - Jiangxi Yumin Bank is considering stopping the issuance of existing deposit points, which has led to dissatisfaction among depositors who view these points as part of their deposit interest rates [3][5]. Summary by Sections Deposit Products and Interest Rates - Yumin Bank previously offered deposit products with interest points, where the annualized comprehensive interest rate could reach 3.6% for 3-year and 5-year deposits, later decreasing to around 3.3% [6]. - The bank's fixed deposit rates for 1, 2, 3, and 5 years are 1.35%, 1.5%, 2%, and 2.05%, respectively, with additional interest points of 1.75%, 1.7%, 1.3%, and 1.25%, leading to comprehensive rates of 3.1%, 3.2%, 3.3%, and 3.3% [7]. Customer Reactions and Communication - Customers have expressed their opposition to the proposed changes, with many contacting customer service or their account managers to voice their concerns [8]. - The bank's customer service stated that the plan to stop point issuance is still in the consultation phase and has not been officially confirmed [5][8]. Regulatory Environment - There has been a trend among private banks to lower the comprehensive interest rates on existing deposits, with similar actions reported at other banks like Zhenxing Bank and Yilian Bank [11]. - Regulatory bodies have intensified compliance management regarding deposit solicitation practices, prohibiting high-interest solicitation methods such as manual interest compensation [12].