Core Viewpoint - Recent interest rate cuts by several banks, including Jiangsu Bank and Nanjing Bank, have drawn market attention, with three-year fixed deposit rates now generally below 2% [1][2]. Group 1: Interest Rate Adjustments - Nanjing Bank's three-year fixed deposit rate has decreased from 1.85% to 1.75% [1]. - Jiangsu Bank has adjusted its one, two, and three-year fixed deposit rates to 1.5%, 1.6%, and 1.75% respectively [1]. - Many village banks have also lowered their deposit rates, with reductions typically between 10 to 20 basis points [1]. Group 2: Market Trends - The overall trend shows a "follow-the-leader" approach, where smaller banks adjust their rates in response to larger banks' decisions [1]. - As of now, the three-year fixed deposit rates at various banks are mostly below 2%, with Dalian Bank at 1.95% and Liao Shen Bank at 1.9% [2]. Group 3: Customer Behavior and Bank Strategies - The declining interest rates have led to increased pressure on banks to attract deposits, with many customers showing less willingness to renew fixed deposits [2]. - To alleviate liability pressure, banks are introducing special deposit products, such as Liao Shen Bank offering a 2.0% rate for deposits over 100,000 yuan [3]. Group 4: Future Outlook - Experts predict that unless there are significant changes in the macroeconomic environment, it will be challenging to see fixed deposit rates above 3% in the coming years [3]. - There is a growing sentiment among ordinary investors regarding the need to adjust their financial strategies in response to the prolonged low-interest-rate environment [3].

21世纪经济报道见习记者冯紫彤 "目前定存利率最高是1.75%，三年期，1万起存"，南京银行（601009）北京地区某支行工作人员向记者 介绍道，"(利率)上周五降的，之前三年是1.85%"。 近期，包括南京银行、江苏银行（600919）在内的多家中小银行纷纷下调存款利率，引起市场关注。 在江苏银行，其一年、两年、三年期定期存款利率已分别调至1.5%、1.6%和1.75%，起存门槛均为1万 元。"上周降到1.75%的，之前是1.85%"，该行某网点工作人员表示。 为缓解负债压力，不少银行正积极推出特色存款产品吸引客户。辽沈银行客户经理表示，当前存入10万 元以上三年期定期，可享2.0%的优惠利率，"就这几天，过几天可能就没有了"。厦门国际银行两年期定 存利率为1.5%，但其客户经理透露，该行还有利率1.6%的产品，"不过现在额度没有了"。 随着利率持续走低，普通投资者的理财焦虑也在蔓延。社交平台上，"利率这么低还有必要存定期 吗？""稳健3%收益去哪找？"等求助帖不断增多。 "预计未来几年内，除非宏观经济环境发生显著变化，否则很难再看到3%以上的存款利率。"有财富管 理业内人士向记者表示。 他还提示道，面对当 ...