多家银行上调存款利率

Core Viewpoint - The article highlights the differentiation in the deposit market as state-owned banks reduce high-interest long-term deposits while smaller banks, primarily rural commercial banks, actively adjust strategies to attract market share through new large-denomination certificates of deposit (CDs) and increased interest rates on fixed deposits [1][3]. Group 1: Large-Denomination Certificates of Deposit - Rural commercial banks have become the main force in issuing large-denomination CDs, with total issuance exceeding 30 billion yuan, and a clear trend towards shorter product durations [3][6]. - On February 5, 2026, multiple rural commercial banks released 45 announcements for large-denomination CDs, with Zhuhai Rural Commercial Bank alone issuing 10.5 billion yuan across seven products [6][7]. - The average interest rates for one-year and three-year large-denomination CDs are around 1.5% and 1.8%, respectively, which are higher than those offered by major state-owned banks [7]. Group 2: Interest Rate Adjustments - From January to February 2026, many rural commercial banks raised interest rates on fixed deposits by 10 to 20 basis points to meet the "opening red" deposit demand [9][12]. - For instance, Zhejiang Jiashan Rural Commercial Bank increased its one-year and two-year fixed deposit rates to 1.50% and 1.75%, respectively, while also implementing tiered rates based on deposit amounts [9][12]. - Some banks have set high minimum deposit thresholds and limited promotional periods, indicating a marketing strategy focused on short-term gains [12][13]. Group 3: Market Dynamics and Strategies - The banking sector is facing a narrowing net interest margin, prompting rural commercial banks to seek a balance between controlling liability costs and capturing market share through differentiated deposit products [1][13]. - The strong demand for deposits is driven by the need for banks to support asset expansion amid competitive pressures, particularly for smaller banks lacking brand dominance [13]. - Some banks are employing a strategy of offering competitive rates selectively to attract high-net-worth clients while managing overall liability costs [13].