作 者丨吴霜 编 辑丨肖嘉 图 源丨图虫 随着降准降息政策公布，银行存款利率面临新一轮下调。 5月7日，中国人民银行、国家金融监督管理总局、中国证券监督管理委员会三大金融管理部 门负责人齐聚国新办发布会，介绍"一揽子金融政策支持稳市场稳预期"有关情况。其中，人民 银行行长潘功胜发布三类十项一揽子货币政策措施，包括降低存款准备金率0 . 5个百分点、下 调公开市场7天期逆回购操作利率0 . 1个百分点至1 . 4%等。与此同时，潘功胜表示，"经过市场 化的利率传导，预计将带动贷款市场报价利率（LPR）随之下行0 . 1个百分点。同时，我们也 将通过利率自律机制引导商业银行相应下调存款利率"。这意味着，在新一期LPR出炉后，商 业银行将迎来新一轮存款利率下调。 回顾过往，每一轮存款利率下调一般由国有大行开启，股份行、地方中小银行依次跟进 。 不过，南方财经全媒体记者注意到，近两日，包括上海青浦惠金村镇银行、上海松江 富明村镇银行、茌平沪农商村镇银行、广东清新农村商业银行在内的多家中小银行发 布了下调人民币存款挂牌利率的公告。其中，前两家银行分别已经在3月底和4月底刚 刚调降过一轮存款利率。而 这背后，则是中小银行 ...

Core Viewpoint - The recent announcement of monetary policy adjustments by Chinese financial authorities is expected to lead to a new round of deposit rate cuts by banks, particularly affecting small and medium-sized banks [1][2]. Group 1: Monetary Policy Changes - The People's Bank of China announced a reduction in the reserve requirement ratio by 0.5 percentage points and a decrease in the 7-day reverse repurchase rate by 0.1 percentage points to 1.4% [1]. - The anticipated market-driven transmission of these rate changes is expected to lower the Loan Prime Rate (LPR) by 0.1 percentage points [1]. - The adjustments are part of a broader strategy to stabilize the market and manage expectations [1]. Group 2: Impact on Small and Medium-Sized Banks - Several small banks have already begun to lower their deposit rates, driven by the need to reduce funding costs amid narrowing interest margins [2][3]. - Historically, small banks offered higher deposit rates to attract customers, but competitive pressures have led to a decline in loan rates, resulting in asset shortages [3]. - Current deposit rates for major state-owned banks remain stable, with rates for various terms set at 1.35% to 1.90% [3]. Group 3: Long-Term Deposit Rate Adjustments - Long-term deposit rates have become the primary focus for reductions among small banks, with significant cuts observed [6][7]. - For instance, Guangdong Qingxin Rural Commercial Bank has set its long-term deposit rates as low as 1.50% for five years [4]. - The strategy for small banks includes both lowering long-term deposit rates and enhancing the collection of low-cost deposits through targeted marketing efforts [7][8]. Group 4: Wealth Management Trends - With declining deposit rates, residents are increasingly opting for early mortgage repayments and low-risk investment products such as insurance and bank wealth management products [9]. - The average yield of bank wealth management products has decreased from 2.94% to 2.65% year-on-year, prompting banks to diversify their investment strategies [10].