近期，广东、吉林等地多家中小银行宣布下调存款利率，且不少银行在一两个月前刚刚进行过调整。整 体来看，不同期限利率降幅在5~20BP(基点)，其中3年期、5年期的降幅更大。 记者注意到，部分银行年内已进行了数次存款利率下调。例如，吉林白山浑江恒泰村镇银行年内已4次 调整存款利率。 值得一提的是，存款利率持续下行，为理财产品创造了更大的吸引力。据普益标准数据，截至7月末， 全市场净值型理财产品规模突破31万亿元。 又一波存款降息潮来袭 中小银行又一波存款降息潮来袭。 广东潮阳农商行自8月21日起调整存款利率。调整后，整存整取3个月期、6个月期、1年期、2年期利率 分别为0.7%、0.9%、1%、1.1%，均下调10BP；3年期、5年期分别为1.3%、1.35%，均下调15BP。该行 在公告中同时提及，优质客户可申请存款优惠利率，详情可到网点咨询。 吉林白山浑江恒泰村镇银行、吉林通化东昌榆银村镇银行、吉林龙潭华益村镇银行等均自8月20日起调 整存款挂牌利率。调整后，活期利率0.15%，下调5BP；1天期和7天期通知存款分别为0.55%、0.95%， 均下调10BP；整存整取储蓄存款3个月期、6个月期、1年期、2年期 ...

在多轮降息以后，部分中小银行的存款利率已与国有大行持平，甚至部分低于国有大行。 近日，又有多地村镇银行宣布下调存款利率。第一财经发现，在多轮降息以后，部分中小银行的存款利 率已与国有大行持平，甚至部分低于国有大行。 融360数字科技研究院高级分析师艾亚文对记者分析，中小银行面临持续收窄的净息差压力，需通过降 低存款利率缓解负债端成本，而村镇银行作为中小银行分支，需跟进调整以维持盈利能力。 中小银行存款利率一降再降 白山浑江恒泰村镇银行继6月29日之后，再发公告调整存款利率，整存整取三个月、六个月、一年期、 二年期、三年期、五年期存款利率由1.25%、1.45%、1.70%、1.75%、1.95%、1.90%分别调整为 1.15%、1.35%、1.60%、1.65%、1.75%、1.70%。其中，三年期、五年期存款利率下调0.2个百分点，其 余期限下调0.1个百分点。 另外，嵊州瑞丰村镇银行也于8月19日下调了存款利率，三个月、六个月、一年期、二年期、三年期、 五年期存款利率由6月份的1%、1.3%、1.35%、1.35%、1.4%、1.4%分别下降至0.8%、1.1%、1.15%、 1.15%、1.3%、1. ...

Group 1 - Several small and medium-sized banks have announced reductions in deposit interest rates, indicating a response to the downward trend in market interest rates [1][2] - Jilin Longtan Huayi Village Bank adjusted its deposit rates, lowering the interest rate for demand deposits from 0.20% to 0.15%, and for various term deposits, with reductions of 10 basis points for terms up to two years and 20 basis points for three and five years [1] - Jiangsu Bank is also reducing its three-year fixed deposit rate from 1.85% to 1.75%, reflecting a broader trend among small banks to manage liability costs amid narrowing net interest margins [2] Group 2 - According to a report by Rong360 Digital Technology Research Institute, most bank deposit rates are on a downward trend, with the average rates for various terms decreasing, except for a slight increase in the three-year term [3] - Despite the overall decline in deposit rates, some small banks have introduced high-yield products, such as large-denomination certificates of deposit with rates exceeding 2%, indicating a competitive strategy to attract deposits [3] - Industry experts suggest that small banks should focus on managing liability costs and developing differentiated products to enhance competitiveness, rather than solely pursuing deposit growth [4]

心エ。 下，中小银行应深入考虑如何摆脱高息存款依 赖、打造差异化产品和服务体系，进一步提升核 心竞争力。 银行业动态 近期，浙江、贵州、吉林等地多家村镇银行宣布将下调存款利率，降幅在10—20个基点不等。 与此形成对比的是，多家银行近期推出了年化利率在 2%以上的大额存单产品，引发市场关注。 业内人士指出，本轮存款利率下调以中小银行为主，面对净息差下滑趋势，中小银行主动调控负债成本，跟进下调存款利率以稳定息差。在 未来存款利率下调趋势仍将持续的背景下，中小银行应深入考虑如何摆脱高息存款依赖、打造差异化产品和服务体系，进一步提升核心竞争 力。 下载财联社APP获取更多资讯 准确 快速 权威 专业 7x24h电报 头条新闻 VIP资讯 实时盯盘 长按右侧二维码阅读原文 准确 快速 权威 专业 C □ ○ 财联社 · 上海报业集团主管主办 为速度和交易而生 机构和私募都在使用 ...

Group 1 - Multiple village banks in China have announced a reduction in deposit interest rates, with decreases ranging from 5 basis points (BP) to 20 BP across various deposit terms, particularly affecting three and five-year deposits [1][2][3] - The adjustments are seen as a response to the downward trend in market interest rates, aimed at managing liability costs and alleviating net interest margin pressure for small and medium-sized banks [1][4] - The average interest rates for different deposit terms have shown a decline, with the three-month deposit rate at 0.943%, six-month at 1.149%, one-year at 1.278%, two-year at 1.369%, three-year at 1.702%, and five-year at 1.531%, reflecting changes of -0.6 BP to 0.7 BP [4] Group 2 - Experts predict that a new round of deposit rate cuts may occur in the third and fourth quarters, with potential adjustments expected around October [5][6] - Despite the overall downward trend in deposit rates, some small banks have introduced high-yield products, such as large-denomination certificates of deposit with rates exceeding 2%, which are viewed as short-term strategies rather than sustainable solutions [4][5] - The current environment poses challenges for small banks that previously relied on high interest rates to attract depositors, necessitating a shift towards differentiated services and product innovation to enhance competitiveness [6]

Core Viewpoint - Recent announcements from several village banks in Zhejiang, Guizhou, and Jilin indicate a reduction in deposit interest rates, with decreases ranging from 10 to 20 basis points. This contrasts with the introduction of large time deposit products offering annual interest rates above 2% by various banks, drawing market attention [1] Group 1: Deposit Rate Adjustments - Multiple village banks in Zhejiang, Guizhou, and Jilin have announced a reduction in deposit interest rates [1] - The reduction in rates is primarily led by small and medium-sized banks, which are responding to a trend of declining net interest margins [1] - The adjustments aim to stabilize interest margins by proactively managing funding costs [1] Group 2: Future Considerations for Banks - The trend of lowering deposit rates is expected to continue, prompting small and medium-sized banks to rethink their reliance on high-interest deposits [1] - There is a need for these banks to develop differentiated products and service systems to enhance their core competitiveness [1]

Core Viewpoint - The recent trend of deposit rate cuts among small and medium-sized banks is primarily driven by the need to manage liability costs and stabilize net interest margins in the face of declining loan yields and competitive pressures from larger banks [2][5][8]. Group 1: Deposit Rate Adjustments - Jiangsu Bank has reduced its three-year fixed deposit interest rate from 1.85% to 1.75%, a decrease of 10 basis points [1][3]. - Several small and medium-sized banks in regions like Zhejiang, Guizhou, and Jilin have announced deposit rate cuts ranging from 10 to 20 basis points [2][4]. - The adjusted rates for various terms at Shengzhou Ruifeng Village Bank include a three-year rate of 1.3%, down from previous levels [4]. Group 2: Market Dynamics - The current environment has led to a surge in demand for large-denomination certificates of deposit (CDs) with interest rates above 2%, as traditional deposit rates decline [6][7]. - Jiangsu Shushang Bank has launched two-year and three-year large CDs with rates of 2.1% and 2.3%, respectively, attracting significant investor interest [6]. Group 3: Future Outlook - Analysts predict that the trend of deposit rate cuts will continue, particularly among small and medium-sized banks, as they face greater challenges in attracting deposits compared to larger banks [8][9]. - The net interest margin for commercial banks in China was reported at 1.42% for Q2 2025, indicating ongoing pressure on profitability [8]. - Experts emphasize the need for small and medium-sized banks to shift their operational strategies away from high-interest deposit reliance towards more sustainable business models [9].

近期，在定存挂牌利率下调的背景下，大额存单利率也在下调。《证券日报》记者从多家国有大行和股 份制银行了解到，目前，银行大额存单年化利率普遍以"2"和"3"字打头。但不少民营银行的大额存单年 化利率仍稳居高位，最高可达3.85%。 与此同时，无论是国有大行还是民营银行的大额存单均显示"额度告急"，可谓"一单难求"。建行北京地 区某网点工作人员告诉记者，目前，银行3年期的大额存单年化利率是2.85%，不过已经没有额度了。 现在大额存单非常难抢，很稀缺。 "目前3年期的大额存单年化利率是2.9%，有额度，但是下周开始3年期大额存单可能要限量。"某股份制 银行客户经理向《证券日报》记者表示。 多家民营银行大额存单，包括转让存单，也一直处于"售罄"的状态。"存款利率不断下降，因此大额存 单异常抢手。转让存单也要等其他客户转出才能买到，需要排队预约，等待时间无法确定。"某民营银 行客服人员对《证券日报》记者表示。 为何民营银行大额存单的年化利率可以稳居高位？中国银行研究院博士后杜阳对《证券日报》记者表 示，一方面，相较于国有大行和股份制银行，民营银行在揽储能力、市场认可度、风险管理等方面存在 一定差距，故其对存款产品的定 ...

Group 1 - The core viewpoint of the article is that the recent recovery in equity market pricing is driven by multiple factors, including stable growth policies, lower deposit rates, and increased investment in non-US assets [1][2][3] - Since the implementation of stable growth policies on September 24, 2024, the Shanghai Composite Index and the Wind All A Index have increased by 32.2% and 44.6%, respectively, by August 8, 2025 [1] - The stable growth policies have improved the breadth of economic growth, contributing to increased stability in the stock market, as evidenced by the rising proportion of industries experiencing growth [1][2] - A reduction in deposit rates has led to increased liquidity in the residential sector, with the willingness to invest in stocks rising from 13.3% in Q3 2024 to 17.5% in Q1 2025 [2] - Policies promoting long-term capital inflows into the market have resulted in additional funding, with various financial institutions encouraged to adopt long-term assessments [2][3] - The rise in US credit risk premiums has increased the importance of non-US assets, as global investors seek to diversify their portfolios [3] Group 2 - Since August, expectations for a Federal Reserve rate cut have become a key trading theme in developed markets, with the Nasdaq leading global performance [4][5] - The VIX index has decreased to around 15%, indicating reduced volatility expectations in the US stock market [5] - A-shares have shown a "thick width + reduced volume" market pattern, suggesting that while risk appetite remains high, there is a growing need for fundamental support [8][9] - The overall market breadth has improved, with 79% of stocks in the Wind All A Index surpassing their 240-day moving average [9] - The performance of various sectors has varied, with military, non-ferrous metals, and precious metals showing strong gains, while TMT and dividend sectors performed moderately [10] Group 3 - The US fiscal deficit has expanded significantly, with a reported increase of $109 billion year-on-year, although this figure is adjusted for timing discrepancies [11][12] - The Federal Reserve's dovish stance has gained traction, with calls for rate cuts becoming more prominent among board members [14][15] - Recent policies aimed at supporting new industrialization and optimizing housing purchase policies in Beijing reflect a broader trend of government intervention to stimulate economic growth [31][32][33]

Core Viewpoint - The recent surge in domestic residents' savings is driven by concerns over job security and health issues, alongside the perceived risks in the stock market, funds, and bank wealth management products, leading to a significant increase in bank deposits [1] Group 1: Changes in the Deposit Market - Change 1: Decreasing interest income from deposits, with the one-year fixed deposit rate dropping from 2.25% to 1.35%, resulting in a reduction of interest income from 2250 yuan to 1350 yuan [5] - Change 2: The emergence of inverted interest rates, where shorter-term deposits (e.g., three-year) offer higher rates than longer-term deposits (e.g., five-year), prompting customer inquiries [8] - Change 3: High volatility in structured deposit returns, which are linked to the performance of investments in bonds, foreign exchange, and stock markets, leading to potential losses for depositors [10] - Change 4: An increasing number of bank failures or dissolutions, with 105 banks dissolving in 2024, primarily among rural and community banks, raising concerns about deposit safety [14] Group 2: Implications for Depositors - Depositors are advised to consider alternative investment options such as government bonds and high-yield bank wealth management products to achieve better returns amid declining deposit rates [14] - It is recommended for depositors to diversify their savings across multiple banks to mitigate risks associated with bank failures, as deposits up to 500,000 yuan are insured [14]