Core Viewpoint - The continuous decline in deposit interest rates has raised concerns among depositors, with many banks reducing rates significantly, leading to a situation where depositors find it challenging to locate products with rates exceeding 2% [1][2] Group 1: Deposit Rate Changes - Since April, over 20 commercial banks have lowered their fixed deposit rates, marking a shift towards the "1 era" for deposit rates [2] - For instance, Qingxu Rural Commercial Bank's rates for various terms are now 1.6%, 1.7%, 1.9%, and 1.9% for 1-year, 2-year, 3-year, and 5-year deposits respectively [2] - The rates at Luoping Xingfu Rural Bank have also dropped significantly, with 3-month, 6-month, 1-year, 2-year, 3-year, and 5-year rates falling from 1.45%-2.25% to 1.10%-1.95% [2] Group 2: Impact on Depositors - A deposit of 10,000 yuan at Luoping Xingfu Rural Bank yields only 145 yuan in interest for one year, and the total interest over five years is less than 1,000 yuan [4] - The decline in deposit rates has resulted in a substantial reduction in returns for depositors [4] Group 3: Interest Rate Inversion - A notable phenomenon of "inversion" in deposit rates has emerged, where short-term rates are higher than long-term rates, such as a 3-year rate of 1.90% compared to a 5-year rate of 1.55% at China Construction Bank [6] - Other banks like Ping An Bank and Huaxia Bank also exhibit similar trends, with 3-year rates significantly higher than 5-year rates [6] Group 4: Reasons for Rate Inversion - Banks are lowering long-term deposit rates to encourage consumer spending and avoid long-term deposits that could hinder economic liquidity [7] - Concerns about future interest rate declines lead banks to reduce long-term rates to mitigate potential high-interest liabilities [7] Group 5: Future Outlook and Asset Allocation - The market interest rates are expected to continue declining, which may further reduce depositors' savings returns [9] - In the current environment, depositors are advised to adjust their asset allocation strategies based on their risk tolerance and investment needs, considering low-risk products like cash management funds and government bonds [11] - For those with higher risk tolerance, exploring stocks and equity funds may be appropriate, but caution is advised to avoid unnecessary risks [12][13]

Group 1 - The core viewpoint of the articles highlights a significant decline in deposit interest rates across various banks, with many institutions now offering rates starting with "1" percent, indicating a shift towards lower returns for savers [1][2][4] - Since April, over 20 commercial banks have reduced their fixed deposit rates, with rates above 3% becoming increasingly rare in the market [1][2] - Major banks, including state-owned and private banks, have joined the trend of lowering deposit rates, diminishing the previously perceived advantages of rural and private banks [2][3] Group 2 - There is a notable "inversion" in deposit rates, where the average interest rate for 3-year fixed deposits (2.042%) is higher than that for 5-year deposits (1.883%), indicating a shift in consumer preferences and bank strategies [4][7] - The trend of lowering long-term deposit rates is a strategy for banks to mitigate risks associated with high-interest liabilities in a declining interest rate environment [7] - The continuous decline in deposit rates is expected to lead to reduced savings returns for consumers, prompting a need for individuals to reassess their asset allocation strategies [7]

4月以来，中小银行又掀起新一轮"降息潮"。 据证券时报·券商中国记者不完全统计，4月份，全国多地农商行、村镇银行以及部分民营银行，均对存款利率 有不同程度下调，下调后的定期存款多数已经跌至2%以下。 业内研究人士表示，当前中小银行经营承压，为应对净息差缩窄趋势，调降存款利率有利于缓解银行负债端压 力，银行存款端管理更倾向于短期存款等低成本负债。 中小银行新一轮"降息潮" 随着一季度银行"开门红"营销活动收官，全国多地中小银行选择主动跟进下调存款利率，以压降存款付息成 本。就在不久前，一批股份行地方分支机构已对部分中长期存款产品进行了利率下调。 4月21日，据陆良兴福村镇银行公众号消息，该行自4月22日起下调一年期、两年期及三年期的整存整取存款利 率，调整幅度均为5个基点。证券时报·券商中国记者注意到，这已经是该行4月第二次、年内第三次调整存款 利率。经过三轮调整，该行各项存款产品利率全面低至2%以下；调整幅度最大的产品是五年期定期存款，相 比去年11月的2.25%，下降了65个基点至1.60%，并与三年期存款的1.95%形成显著"倒挂"。 同日，与陆良兴福村镇银行同属常熟农商行控股、位于海南的两家村镇银行也宣 ...

Group 1 - The banking deposit market is undergoing significant adjustments, leading to a dilemma for depositors between the safety of state-owned banks and the higher interest rates offered by smaller banks [1] - Depositors are now facing increased difficulty in withdrawing large amounts of cash, requiring prior appointment and explanation of the funds' purpose [3][5] - Some banks are experiencing inverted deposit rates, where shorter-term deposits offer higher rates than longer-term ones, prompting depositors to consider shorter-term options [5][7] Group 2 - The frequency of bank bankruptcies and dissolutions is rising, with 195 small banks reported to have dissolved in 2024 alone, indicating risks associated with depositing in smaller banks [9] - Many small banks are offering significantly higher interest rates to attract deposits, which may pose risks if these banks invest in high-yield projects that could lead to liquidity issues [11] - Recommendations for depositors with over 500,000 in savings include diversifying deposits across multiple banks, ensuring deposits do not exceed 500,000 in any single institution, and considering high-yield certificates of deposit [13]

多家银行下调 4月10日，汝阳兴福村镇银行发布公告表示，将于4月11起调整人民币存款挂牌利率，其中6个月期定期 存款利率由1.3%下调至1.2%，1年期定期存款利率由1.65%下调至1.45%，2年期定期存款利率由1.7%下 调至1.6%。 4月10日，福建华通银行、山东平邑汉源村镇银行等银行下调存款利率。据记者梳理，4月以来，湖北、 云南、江苏等地多家中小银行密集下调存款利率。 业内人士表示， 银行在季度末、年度末，为了完成存款任务，往往会推出短期高利率活动，随着考核 冲刺期结束，存款利率转而回落。 图片来源：平邑汉源村镇银行微信公众号 4月以来，湖北、云南、江苏等地中小银行密集下调存款利率。 业内人士表示，银行在季度末、年度末，为了完成存款任务，往往会推出短期高利率活动。 具体来 说，每年的1月、每个季度的最后1个月，存款利率往往较高。这种因考核驱动形成的利率高峰具有明显 周期性特征，通常随着冲刺时段的结束而回落。 长短期存款利率倒挂 记者发现， 多家银行存在存款利率长短期倒挂现象， 例如汝阳兴福村镇银行3年期定期存款利率为 1.95%，比5年期定期存款利率高出25个基点；再如山东平邑汉源村镇银行50万元 ...

Core Viewpoint - Recently, major banks such as Industrial and Commercial Bank of China, China Construction Bank, and China Merchants Bank have experienced a phenomenon where short-term deposit rates exceed long-term deposit rates, indicating a shift in the banking landscape [1][2]. Group 1: Reasons for Rate Inversion - The inversion of deposit rates among large and medium-sized banks is attributed to several factors, including banks' expectations of continued interest rate declines, short-term liquidity pressures, and intensified competition in the short-term deposit market [1][8]. - Banks are proactively reducing the absorption of higher-yielding medium- and long-term deposits, leading to lower rates for these products [8]. - The phenomenon of deposit rate inversion was previously more common among small and medium-sized banks, but it is now observed in larger institutions as well [6][8]. Group 2: Specific Rate Examples - Industrial and Commercial Bank of China offers a maximum annual interest rate of 1.85% for a 3-year fixed deposit, while the 5-year fixed deposit rate is only 1.55% [3]. - China Construction Bank shows a similar trend, with a maximum annual interest rate of 1.90% for a 3-year fixed deposit compared to 1.55% for a 5-year fixed deposit [4]. - China Merchants Bank has a 1-year deposit rate of 1.60%, which is higher than the 3-year and 5-year rates of 1.50% and 1.55%, respectively [5].

以下文章来源于中国经营报 ，作者郝亚娟 王柯瑾 中国经营报 . 《中国经营报》由《中国经营报》社有限公司出版，与中国企业同步成长，对话商业领袖，传播商业理想，服务商业人群，掌控中国商界绝对话语权。 来源｜中国经营报 作者｜ 郝亚娟 王柯瑾 "存得越久利息越少"的现象，正成为银行业的"新常态"。 招商银行APP显示，某存款产品1年期利率为1.60%，而存5年显示的利率为1.55%。 这意味着，存1年反而比存5年更加划算。 一般来讲，定期存款的期限越长，利率越高。但从2022年开始，存款利率"倒挂"的现象开始出现。融360数字科技研究院此前发布的数据显 示，随着降息组合拳打出，存款降息空间打开，且降幅相对较大。 平均来看，3年期存款利率高于5年期。 招联首席研究员、上海金融与发展实验室副主任董希淼分析，我国市场无风险利率下行是长期趋势。从国外看，部分国家和地区还出现了存 款"负利率"现象。对居民而言，如果资产配置中的中长期存款、现金管理类理财产品较多，那么收益水平可能有所下降，建议平衡好风险与收 5年期利率比1年期利率低 近日，《中国经营报》记者登录招商银行APP发现，该行一款名为"灵动存"的存款产品1年期、2年 ...