近期，多家银行陆续宣布下调人民币存款利率，调整范围覆盖活期存款、通知存款及各期限个人定期储 蓄存款，最高降幅达20个基点。 中国邮政储蓄银行研究员娄飞鹏在接受《证券日报》记者采访时表示，本轮中小银行下调存款利率，既 是对前期大型银行利率调降的跟进，也是中小银行应对自身净息差偏低的具体举措。未来存款利率下调 趋势或将持续，在此背景下，中小银行需摆脱对高息存款的依赖，打造差异化产品与服务体系，以此提 升自身核心竞争力。 多家银行调降存款利率 近日，江苏银行北京地区某支行的理财经理向记者表示："自8月20日起，我行3年期个人定期存款（整 存整取）利率将下调10个基点，从当前的1.85%调整至1.75%，该产品起存金额为1万元。此次利率调整 仅涉及3年期品种，1年期、2年期个人定期存款利率暂未变动，仍分别维持1.5%、1.6%。" 除江苏银行外，近期还有多家银行密集发布存款利率调整公告，其中以村镇银行为代表的中小银行成为 调整主力，涉及活期、定期等多品类存款。 高政扬表示，从整体态势来看，存款利率的下行趋势预计短期内将持续。当前银行业整体净息差仍处于 历史低位，为进一步缓解利差挤压压力、优化整体盈利结构，存款利率未来 ...

Group 1 - The core viewpoint is that Chinese residents' bank deposits surged to a historic high of 10.77 trillion yuan in the first half of 2025, driven by both older and younger demographics seeking financial security amid economic uncertainties [1] - The trend of increasing bank deposits is influenced by the perceived risks in stock markets, funds, and wealth management products, leading individuals to prefer the safety of bank deposits where principal and interest are guaranteed [1] Group 2 - Banks are encouraging depositors to withdraw funds for investment and consumption to stimulate economic growth, while also indicating that deposit rates are expected to decline, which will lower loan rates and potentially boost borrowing [6] - It is advised that individuals maintain some liquid funds to avoid penalties from early withdrawal of fixed-term deposits, especially in case of emergencies [8] - The risk of small and medium-sized banks facing bankruptcy or dissolution is rising, with recent examples including the failures of Liao Yang Rural Commercial Bank and Tai Zi He Village Bank, prompting recommendations to diversify deposits across multiple banks [9][11] - The current low deposit rates may deter some from keeping funds in banks, but the presence of bubbles in stock, real estate, and gold markets suggests that waiting for a market correction could present significant investment opportunities in the future [13]

本报记者 彭妍 近期，多家银行陆续宣布下调人民币存款利率，调整范围覆盖活期存款、通知存款及各期限个人定期储 蓄存款，最高降幅达20个基点。 同日，吉林龙潭华益村镇银行宣布，自8月20日起调整存款挂牌利率，覆盖活期存款、通知存款及定期 储蓄存款。具体来看，活期存款年化利率从0.2%降至0.15%，下降5个基点；个人定期储蓄存款（整存 整取）中，3个月期、6个月期、1年期、2年期年化利率均下调10个基点，调降后分别为1.15%、 1.35%、1.6%、1.65%；3年期、5年期年化利率下调幅度更大，均降20个基点，分别至1.75%、1.7%。 此外，白山浑江恒泰村镇银行也同步开展利率调整。个人定期储蓄存款（整存整取）中，3年期、5年期 年化利率均下调20个基点，分别降至1.75%、1.7%；其余期限年化利率则统一下调10个基点。同时，吉 林昌邑榆银村镇银行、高密惠民村镇银行、贵定恒升村镇银行等多家中小银行，也陆续宣布调降部分期 限存款利率，调整幅度多集中在10个至20个基点。 苏商银行特约研究员高政扬对《证券日报》记者表示，中小银行下调存款利率，核心动因在于缓解净息 差收窄压力、优化负债成本结构。当前，LPR（贷 ...

2025.08.21 本文字数：1902，阅读时长大约3分钟 8月19日，吉林龙潭华益村镇银行发布公告，该行自8月20日起调整存款挂牌利率，其中，整存整取三个 月、六个月、一年期、二年期存款利率均下调0.1个百分点至1.15%、1.35%、1.60%、1.65%；整存整取 中小银行存款利率一降再降 5月20日，新一轮LPR（贷款市场报价利率）与存款利率调降落地，国有六大行和部分股份行同日下调 人民币存款挂牌利率。随后，其他股份行、民营银行、外资银行以及城商行、农商行、村镇银行等中小 银行纷纷跟进下调存款利率，银行存款利率全面步入"1字头"。 不过，上述银行的下调动作主要集中在5~6月之间，以5月份为例，据第一财经不完全统计，在19家民 营银行中，有15家完成降息动作，单月调降频次多达22次，与过去"小步快跑"的微调不同，民营银行在 5月底集体亮出"狠招"，多家银行"断崖式"降息。 调降之后，民营银行三个月、六个月、一年期整存整取利率全面步入"1时代"；二年期、三年期、五年 期存款利率普遍在2%以内，最高2.4%。其中，多家银行五年期存款下架。过去往往"慢半拍"的中小银 行在此轮降息中却一反常态，紧跟大行的步伐 ...

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 ...

心エ。 下，中小银行应深入考虑如何摆脱高息存款依 赖、打造差异化产品和服务体系，进一步提升核 心竞争力。 银行业动态 近期，浙江、贵州、吉林等地多家村镇银行宣布将下调存款利率，降幅在10—20个基点不等。 与此形成对比的是，多家银行近期推出了年化利率在 2%以上的大额存单产品，引发市场关注。 业内人士指出，本轮存款利率下调以中小银行为主，面对净息差下滑趋势，中小银行主动调控负债成本，跟进下调存款利率以稳定息差。在 未来存款利率下调趋势仍将持续的背景下，中小银行应深入考虑如何摆脱高息存款依赖、打造差异化产品和服务体系，进一步提升核心竞争 力。 下载财联社APP获取更多资讯 准确 快速 权威 专业 7x24h电报 头条新闻 VIP资讯 实时盯盘 长按右侧二维码阅读原文 准确 快速 权威 专业 C □ ○ 财联社 · 上海报业集团主管主办 为速度和交易而生 机构和私募都在使用 ...

业内人士指出，本轮存款利率下调以中小银行为主，面对净息差下滑趋势，中小银行主动调控负债成 本，跟进下调存款利率以稳定息差。在未来存款利率下调趋势仍将持续的背景下，中小银行应深入考虑 如何摆脱高息存款依赖、打造差异化产品和服务体系，进一步提升核心竞争力。 人民财讯8月21日电，据证券时报记者梳理，近日，浙江、贵州、吉林等地多家村镇银行宣布将下调存 款利率，降幅在10—20个基点不等。与此形成对比的是，多家银行近期推出了年化利率在2%以上的大 额存单产品，引发市场关注。 ...

"三年期定期存款利率将于本周三（8月20日）下调！"周二，陈女士从江苏银行客户经理处得知，该行三年期定期存款 利率将由1.85%降至1.75%，降幅10个基点。 据券商中国记者梳理，近日，浙江、贵州、吉林等地的多家村镇银行宣布将下调存款利率，降幅在10至20个基点不等。 与之形成对比的是，多家银行近期推出了年化利率2%以上的大额存单产品，引发市场关注。 业内人士指出，本轮存款利率下调以中小银行为主，面对净息差下滑趋势，中小银行主动调控负债成本，跟进下调存款 利率以稳定息差。而未来，存款利率下调趋势仍将持续，在此背景下，中小银行应加快思考如何摆脱高息存款依赖、打 造差异化的产品和服务体系，以提升竞争力。 最高降幅20个基点 工作人员向陈女士介绍，调整后，江苏银行三年期的定期存款年化利率为1.75%，起存金额为一万元；同类定期 存款产品一年期、二年期的利率则暂未调整。 记者梳理发现，近期，多家中小银行密集发布存款利率调整公告。 8月19日，嵊州瑞丰村镇银行发布存款利率公示，该行人民币个人定期存款整存整取三个月、六个月、一年、二年、三 年、五年的年化利率分别调整为0.8%、1.1%、1.15%、1.15%、1.3% ...

Group 1 - The core viewpoint of the article is that the recent recovery in equity market pricing is driven by multiple factors, including stable growth policies, lower deposit rates, and increased investment in non-US assets [1][2][3] - Since the implementation of stable growth policies on September 24, 2024, the Shanghai Composite Index and the Wind All A Index have increased by 32.2% and 44.6%, respectively, by August 8, 2025 [1] - The stable growth policies have improved the breadth of economic growth, contributing to increased stability in the stock market, as evidenced by the rising proportion of industries experiencing growth [1][2] - A reduction in deposit rates has led to increased liquidity in the residential sector, with the willingness to invest in stocks rising from 13.3% in Q3 2024 to 17.5% in Q1 2025 [2] - Policies promoting long-term capital inflows into the market have resulted in additional funding, with various financial institutions encouraged to adopt long-term assessments [2][3] - The rise in US credit risk premiums has increased the importance of non-US assets, as global investors seek to diversify their portfolios [3] Group 2 - Since August, expectations for a Federal Reserve rate cut have become a key trading theme in developed markets, with the Nasdaq leading global performance [4][5] - The VIX index has decreased to around 15%, indicating reduced volatility expectations in the US stock market [5] - A-shares have shown a "thick width + reduced volume" market pattern, suggesting that while risk appetite remains high, there is a growing need for fundamental support [8][9] - The overall market breadth has improved, with 79% of stocks in the Wind All A Index surpassing their 240-day moving average [9] - The performance of various sectors has varied, with military, non-ferrous metals, and precious metals showing strong gains, while TMT and dividend sectors performed moderately [10] Group 3 - The US fiscal deficit has expanded significantly, with a reported increase of $109 billion year-on-year, although this figure is adjusted for timing discrepancies [11][12] - The Federal Reserve's dovish stance has gained traction, with calls for rate cuts becoming more prominent among board members [14][15] - Recent policies aimed at supporting new industrialization and optimizing housing purchase policies in Beijing reflect a broader trend of government intervention to stimulate economic growth [31][32][33]

Core Viewpoint - The recent surge in domestic residents' savings is driven by concerns over job security and health issues, alongside the perceived risks in the stock market, funds, and bank wealth management products, leading to a significant increase in bank deposits [1] Group 1: Changes in the Deposit Market - Change 1: Decreasing interest income from deposits, with the one-year fixed deposit rate dropping from 2.25% to 1.35%, resulting in a reduction of interest income from 2250 yuan to 1350 yuan [5] - Change 2: The emergence of inverted interest rates, where shorter-term deposits (e.g., three-year) offer higher rates than longer-term deposits (e.g., five-year), prompting customer inquiries [8] - Change 3: High volatility in structured deposit returns, which are linked to the performance of investments in bonds, foreign exchange, and stock markets, leading to potential losses for depositors [10] - Change 4: An increasing number of bank failures or dissolutions, with 105 banks dissolving in 2024, primarily among rural and community banks, raising concerns about deposit safety [14] Group 2: Implications for Depositors - Depositors are advised to consider alternative investment options such as government bonds and high-yield bank wealth management products to achieve better returns amid declining deposit rates [14] - It is recommended for depositors to diversify their savings across multiple banks to mitigate risks associated with bank failures, as deposits up to 500,000 yuan are insured [14]