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 记者注意到，自2022年4月存款利率市场化调整机制建立以来，国有大行带头进行了七轮存款挂牌利率 下调，最近一轮于今年5月20日启动。如同前几轮存款利率下调的节奏，在大行领头下调后，股份行、 城商行、农商行等众多银行机构纷纷跟进。 "银行净息差仍处于历史低位，负债端成本管控需求持续存在。"融360数字科技研究院艾亚文表示，"适 时降准降息"表述仍为市场主要预期导向，但短期内存款利率单独调整的概率较低，更可能通过LPR联 动机制实现传导，定期存款利率是否会再次大幅下调需等待政策利率变动，预计三四季度仍有一轮调 整，时间窗口可能在10月份左右。 据金融监管总局披露，截至2025年二季度末 ...

2025.08. 21 本文字数：1902，阅读时长大约3分钟 作者 | 第一财经 安卓 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。 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%、1.3%。 总体来看 ...

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]

Group 1 - Recent announcements from village banks in Zhejiang, Guizhou, and Jilin indicate a reduction in deposit interest rates, with cuts ranging from 10 to 20 basis points [1] - In contrast, several banks have introduced large-denomination time deposit products with annualized interest rates exceeding 2%, attracting market attention [1] - The current trend of deposit rate cuts is primarily driven by small and medium-sized banks, which are adjusting their liability costs in response to declining net interest margins [1] Group 2 - Small and medium-sized banks are encouraged to consider strategies to reduce reliance on high-interest deposits and to develop differentiated products and service systems to enhance their core competitiveness [1][4]

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 ...