Core Viewpoint - The deposit insurance system plays an irreplaceable role in safeguarding the public's finances and maintaining financial stability, with the People's Bank of China (PBOC) in Chaoyang City actively promoting awareness and understanding of this system through innovative outreach and education efforts [1] Group 1: Implementation and Outreach - Since the implementation of the Deposit Insurance Regulations in 2015, the PBOC in Chaoyang has prioritized deposit insurance promotion as a key service to the public, establishing a comprehensive outreach strategy that includes various promotional activities [2] - The bank has utilized over 500 bank branches to disseminate information through LED screens and embedded messages in transaction processes, reaching over 4.2 million depositors and sending nearly 1 million promotional text messages [2] - The bank has organized numerous themed salons and interactive events, engaging over 100,000 individuals in discussions about deposit insurance [2] Group 2: Community Engagement and Special Activities - The PBOC has integrated deposit insurance promotion with cultural and tourism activities, such as setting up booths at events and distributing promotional materials during local festivals, reaching over 20,000 visitors [3] - Over 2,500 promotional events have been conducted, benefiting more than 500,000 people and distributing over 200,000 informational materials [3] Group 3: Targeted Education and Support - The PBOC has focused on vulnerable groups, including the elderly and rural residents, by conducting tailored educational initiatives to ensure understanding of deposit insurance [4] - Activities have included visits to nursing homes and community centers, as well as financial literacy programs in universities, impacting over 10,000 students [4] - A partnership mechanism has been established in rural areas to ensure comprehensive coverage of deposit insurance education, including bilingual materials for ethnic minority communities [4] Group 4: Risk Management and Confidence Building - The PBOC has emphasized the role of deposit insurance in preventing bank runs and supporting the stable development of local small and medium-sized banks [5] - Training and assessments have been conducted to enhance the quality of the promotional workforce, with over 4,000 bank staff receiving internal training [5] - As a result of these efforts, public confidence in the banking system has significantly increased, with deposits in local small and medium-sized banks growing by 150% since 2015 [5]

中国人民银行巴中市分行立足川陕革命根据地红色资源优势，构建"存款保险+"融合宣传模式，用好"两 支队伍"、盘活"红色地标"，让老区储户存款更安心、更放心。该行积极践行"金融为民"理念，组建党 员先锋队员深入基层，通过发放宣传折页、现场讲解等方式，增强群众风险防范意识和对银行机构的信 心。 辖内银行机构以"党建+存保为民"为主题，开展"能力培养""民俗架桥""服务下沉"系列存款保险主题活 动。长城华西银行巴中分行利用部门晨会、行长周例会"简培训"加固，支部会专项"精集训"提升，着力 培养一批党员宣讲能手。四川银行巴中市分行将存款保险等金融知识纳入驻村帮扶内容，定期对结对帮 扶群众、村干部开展"知识帮扶小课堂"，以"裕农站点""蜀农益站"等便民宣传平台为载体，精心设计存 款保险宣传栏，张贴通俗易懂的海报，摆放供群众免费取阅的宣传折页，为村民打造家门口的"金融知 识补给站"。 "乡亲们，当年红军用生命保卫根据地，现在存款保险制度守护大家的存款安全！"在红军入川第一站两 河口，巴中农商银行存款保险宣传员龙玲正向村民介绍存款保险的作用。这是巴中农商银行创新开展 的"红色金融讲堂"活动现场。讲堂上，宣传员巧妙地将存款保险 ...

Group 1 - The People's Bank of China Yongchuan Branch emphasizes a "financial for the people" approach, exploring diverse and rich promotional models for deposit insurance [1] - The bank has implemented a "five-part" promotional strategy to create a regular and distinctive deposit insurance publicity model, aiming for effective results [1] Group 2 - Various promotional carriers are utilized to enhance the effectiveness of deposit insurance awareness, including community events and financial service platforms [1] - Activities such as "Deposit Insurance Knowledge Going to the Countryside" and "Financial Knowledge Entering Communities" have been organized to improve the relevance and effectiveness of deposit insurance promotion [1] Group 3 - The integration of finance and sports is being explored to enhance deposit insurance publicity, linking it with popular cultural and sports events to increase awareness [2] - The "Run for Deposit Insurance" themed promotional activities have been organized, utilizing marathon events to distribute promotional materials and engage the public [2] Group 4 - Collaboration with local governments is encouraged to eliminate promotional blind spots, ensuring that deposit insurance knowledge reaches rural areas effectively [3] - A partnership has been established with various local governments and banks to create a model area for deposit insurance knowledge promotion, involving community leaders as volunteers [3] Group 5 - The establishment of a "Party Building + Finance" platform aims to integrate deposit insurance promotion with social governance in grassroots areas, enhancing coverage [3] - Regular promotional activities are conducted in collaboration with over 30 village committee service centers, providing resources and a welcoming environment for learning about deposit insurance [3]

该行充分运用新媒体和人工智能平台的传播优势，不断提升存款保险宣传覆盖面和智能化水平。以"存 保十年 津心守护"为主题，指导银行机构制作系列推文，详细介绍存款保险宣传活动，深入讲解存款保 险知识。银行机构利用公众号、视频号、朋友圈等渠道，广泛转载各类存款保险宣传素材。中国人民银 行天津市分行借助人工智能APP，创建存款保险宣传智能体"存款保险明白人"，实现智能化、自动化普 及存款保险知识。据统计，银行机构共发布宣传推文66篇，总浏览量8.1万，转载宣传素材418次，总浏 览量17.7万。 为普及存款保险知识、彰显制度实施成效，中国人民银行天津市分行近期组织天津市67家银行业金融机 构，开展系列宣传活动，进一步强化公众对存款保险的认知，保护存款人合法权益，推动存款保险制度 深入人心。 中国人民银行天津市分行还依托海河沿岸地标性建筑及银行室内外电子屏资源，有效扩大存款保险宣传 影响力，渤海银行大厦和天津最大LED彩屏展播存款保险宣传主题灯光秀。指导银行机构利用地铁站宣 传栏投放存款保险宣传内容，各机构电子屏全天候、常态化展示存款保险宣传标语、海报、宣传片等宣 传素材。活动期间，银行机构通过5000余块电子屏展播存款 ...

2025年5月20日，中国金融市场迎来重要变动，建设银行与招商银行率先启动今年首次人民币存款利率 下调。根据最新公布的利率表，这两家银行的活期存款下调0.05个百分点至0.05%，而各期限定期存款 挂牌利率则下调0.15-0.25个百分点不等。其中，三年期和五年期定期存款利率调整幅度最大，均下调了 0.25个百分点，分别降至1.25%和1.30%。此次调整是继去年两轮存款利率下调后的又一次重要调整，市 场普遍预期国有六大行和招商银行将按照惯例在同一天内进行一致的利率调整。 回顾去年的两轮存款利率调整可以发现一定的规律和趋势。2024年7月25日，工商银行、建设银行、农 业银行、中国银行、交通银行和邮储银行率先下调人民币存款利率，其中活期存款下调0.05个百分点， 通知、协定和一年期及以内定期存款利率下调了0.1个百分点，二年期及以上定期存款利率下调了0.2个 百分点。 随后在2024年10月18日，国有大行再度集体下调人民币存款利率。当时活期存款下调0.05个百 分点至0.1%，各期限定期存款挂牌利率全线下调0.25个百分点。 对比此次与去年两轮的存款利率调整 可以看出，此次调整基本延续了去年10月的调整模式 ...

Group 1 - The core viewpoint of the articles indicates that the bond market is experiencing a bullish trend, with the 10-year treasury futures closing up by 0.13% and most interbank bond yields declining by approximately 1 basis point [1] - The LPR (Loan Prime Rate) was lowered by 10 basis points, with the 1-year LPR now at 3% and the 5-year LPR at 3.5%, down from 3.1% and 3.6% respectively [1] - The central bank continued to inject liquidity through OMO (Open Market Operations), leading to a more relaxed funding environment compared to the previous week [1] Group 2 - April economic data showed a marginal weakening in retail sales and investment, falling below expectations, while industrial production maintained strong resilience [1] - Market expectations suggest a potential reduction in deposit rates this week, which has positively influenced bond market sentiment [1] - The政金债券ETF (Government Financial Bond ETF) has a total scale of approximately 46.2 billion, making it the largest bond ETF in the market, with a duration of around 7.5 years, suitable for clients looking to adjust duration easily [1]

东方金诚宏观研究 5 月 LPR 报价如期下调，下半年还有下调空间 王青 李晓峰 冯琳 1 东方金诚宏观研究 我们也认为，本次 1 年期 LPR 报价下调将引导存款利率全面下调。根据存款利率市场化 调节机制，存款利率要与 1 年期 LPR 报价和 10 年期国债收益率挂钩。综合本次 1 年期 LPR 报 价下调幅度、近期 10 年期国债收益率走势，以及当前商业银行净息差水平，我们估计接下来 各类存款利率将平均下调 0.1 个百分点左右，其中，活期存款利率和短期定期存款利率下调 幅度会比较小，期限较长的定期存款利率会有更大降幅。这主要体现商业银行对未来会进一 步降息的预期。LPR 报价下调带动存款利率同步下调，有助于缓解商业银行净息差下行势 头——最新数据显示，2025 年一季度商业银行净息差为 1.43%，较上季度下行 0.09 个百分 点，再创历史新低——在加大银行对实体经济支持力度的同时，保持银行体系自身经营的稳 健性。 事件： 2025 年 5 月 20 日，中国人民银行授权全国银行间同业拆借中心公布新版 LPR 报价：1 年 期品种报 3.0%，上月为 3.10%；5 年期以上品种报 3.50%，上月 ...

Group 1 - The China Securities Bank ETF (512730.SH) rose by 0.98%, with the associated index, the China Securities Bank Index (399986.SZ), increasing by 0.95% as of May 20 [1] - Major constituent stocks such as China Merchants Bank increased by 1.44%, Industrial Bank by 0.75%, Bank of Communications by 1.06%, Jiangsu Bank by 0.93%, and Shanghai Pudong Development Bank by 0.92% [1] - Several state-owned and joint-stock banks lowered the RMB deposit benchmark rates, with the current rate down by 5 basis points to 0.05% and term deposit rates reduced by 15-25 basis points [1] Group 2 - According to a report by Galaxy Securities, recent reserve requirement ratio (RRR) cuts and interest rate reductions, along with structural tools, have positively impacted the banking sector's fundamentals [1] - The reduction in deposit rates may alleviate the pressure on banks' interest margins, combined with enhanced policy support expectations, providing a boost to the banking sector [1] - Galaxy Securities forecasts that the performance of listed banks in 2024 and the first quarter of 2025 may be temporarily affected by non-interest income, but the overall positive trend in fundamentals remains unchanged [1] Group 3 - Huachuang Securities analysis indicates that the banking sector could see an inflow of 194.23 billion yuan, accounting for 6.4% of the free float market value, reflecting the potential demand for allocation in the banking sector [1] - The current allocation of the banking sector within the CSI 800 index constituents shows a 7.3 percentage point underweight, indicating room for increased investment [1]

5月20日，工商银行、农业银行、中国银行、建设银行、交通银行均发布消息，下调人民币存款利率， 最大降幅25个基点。其中，活期存款利率下调5个基点至0.05%；定期整存整取三个月期、半年期、一 年期、二年期均下调15个基点，分别为0.65%、0.85%、0.95%、1.05%；定期整存整取三年期和五年期 均下调25个基点，分别至1.25%和1.30%；定期零存整取、整存零取、存本取息一年期、三年期、五年 期均下跌15个基点，分别为0.65%、0.85%、0.85%；协定存款利率下调10个基点至0.10%；7天期通知存 款利率下调15个基点至0.3%。 当日，邮储银行也对多个期限的人民币存款利率进行了下调。其中，活期存款利率下调5个基点至 0.05%；定期整存整取三个月期、半年期、一年期、二年期均下调15个基点，分别为0.65%、0.86%、 0.98%、1.05%；定期整存整取三年期和五年期均下调25个基点，分别至1.25%和1.30%；定期零存整 取、整存零取、存本取息一年期、三年期、五年期均下跌15个基点，分别为0.65%、0.86%、0.86%；协 定存款利率下调10个基点至0.10%；7天期通知存款利率 ...

5月20日，工商银行、建设银行、中国银行、农业银行、交通银行、邮储银行六家国有大行及股份行中的招商银行均 于官网发布关于调整人民币存款挂牌利率的公告，自2025年5月20日起调整人民币存款挂牌利率。 其中，六大行及招商银行活期存款利率均由0.1%调整为0.05%，下调5个基点。工商银行、建设银行、中国银行、农业 银行、交通银行及招商银行整存整取定期存款三个月、六个月、一年期、二年期均由0.8%、1%、1.1%、1.2%调整为 0.65%、0.85%、0.95%、1.05%，均下调15个基点，三年期、五年期由1.5%、1.55%调整为1.25%、1.30%，均下调25个 基点。 邮储银行六个月、一年期整存整取挂牌利率与其他五大行不同，分别由1.01%、1.13%降至0.86%、0.98%，零存整取、 整存零取、存本取息三年、五年期也由1.01%调整为0.86%，均下调了15个基点，其他各期限存款利率及调整幅度均与 另外五家大行保持一致。 （工商银行、建设银行、中国银行、农业银行、交通银行、邮储银行、招商银行官网） 另外，零存整取、整存零取、存本取息一年、三年、五年期均由0.8%、1%、1%调整为0.65%、0. ...