第一手准备：存款利息收入会越来越少 现如今，银行存款利息收入是越来越少。以1年期的定期存款为例，之前是2.25%，现在只有1.35%。这意味着，存款利息收入已经跌幅超过40%。如果把50 万存入银行，之前一年的存款利息是11250元，现在存款利息只有6750元，足足少了4500元。未来存款利息收入还会越来越少。 导致存款利息收入越来越少的原因主要有三个：①央行希望通过降息，来迫使储户把存款拿出来，用于投资和消费。②存款利率的下降，意味着贷款市场的 利率也会下调，这样可以降低企业和购房者的融资成本。③银行存款利率下调之后，可以使存贷利差进一步扩大。此举不仅可以提高银行的业绩，也能够增 强银行抵御系统性金融风险的能力。 而对于当前储户存款利息越来越低的趋势，如果你的存款超过50万，可以把钱存入股份制银行。因为股份制银行的存款利率要高于国有银行，而存款的风险 则要比中小银行低得多。此外，储户还应该存股份制银行的3年期大额存单，这样既可以获得较高的存款利息，又能够锁定中长期存款利率。 近些年，国内居民存钱的热情是越来越高涨。最新数据显示：今年1-10月，我国人民币存款增加23.32万亿元。其中，住户存款增加15.71 ...

Find out how much you could earn with today’s money market account rates. The Federal Reserve cut its target rate three times in 2024 and recently cut rates for the second time in 2025. So deposit rates — including money market account (MMA) rates — have started falling. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance. Overview of money market account rates today The national average money market account rate stands at 0.59%, according to the FDI ...

Core Viewpoint - The cancellation of the five-year fixed deposit product by the Inner Mongolia Tuyuqi Mengyin Village Bank has sparked market attention, indicating a potential trend in the banking industry as many private and internet banks are also phasing out long-term fixed deposits due to declining interest rates and the phenomenon of interest rate inversion [1][4][5]. Group 1: Industry Trends - The Tuyuqi Mengyin Village Bank is the first commercial bank to announce the cancellation of the five-year fixed deposit product, which is not an isolated case as other banks like the Kundu Lun Mengyin Village Bank have also stopped offering this product [4]. - Several private and internet banks, including Citic Baixin Bank and Zhongguancun Bank, have also removed five-year fixed deposits from their offerings, with Zhongguancun Bank additionally discontinuing three-year fixed deposits [4][5]. - The trend of phasing out five-year fixed deposits is attributed to banks' need to respond to narrowing net interest margins, as loan rates are decreasing faster than deposit rates, leading to higher costs for long-term deposits [4][6]. Group 2: Interest Rate Adjustments - The Tuyuqi Mengyin Village Bank has not only canceled the five-year fixed deposit but has also lowered interest rates for various term deposits, with the one-year deposit rate reduced to 1.45%, the two-year to 1.55%, and the three-year to 1.85% [4]. - Major banks, including the "Big Four" state-owned banks, have seen significant declines in deposit rates this year, with the one-year fixed deposit rate dropping to 0.95% and the three-year rate to 1.25% [5]. - The phenomenon of interest rate inversion is evident, with banks like China Construction Bank offering a three-year fixed deposit rate of 1.55%, while the five-year rate is only 1.3% [5]. Group 3: Implications for Banking Sector - The reduction in deposit rates is expected to alleviate banks' funding costs and may open up space for future reductions in the Loan Prime Rate (LPR), which could enhance borrowing willingness among residents and businesses [6]. - The adjustment in deposit rates may lead to a "migration" of deposits, potentially directing more capital into the capital markets [6].

银行下调存款利率的原因主要有以下三个方面：首先，央行希望通过降息来刺激消费和投资，从而促进 经济增长。其次，降息的同时，贷款利率也会相应下降，这将降低企业和购房者的融资成本。最后，存 款利率下调可以扩大银行的存贷利差，提升银行的业绩，增强其抵御金融风险的能力。 曾经，在房地产市场一片欣欣向荣的景象中，马云语出惊人，预言未来的房价可能"如葱"般廉价。那是 在2018年，各地的开发商如火如荼地拿地建房，炒房客们蜂拥而至，通宵排队抢购房产。在当时看来， 马云的预言显得格格不入，甚至被许多人视为外行之谈，不足为信。 然而，时间进入2021年下半年，国内房价开始步入漫长的下行通道。起初是二三线城市率先出现颓势， 紧接着，就连一线城市也加入了降价的行列。全国平均房价的跌幅已经超过了30%，曾经被视为"金饭 碗"的房地产市场，似乎真的要朝着马云所预言的"葱价"方向发展。 更令人惊讶的是，在鹤岗、铁岭、双鸭山、七台河等三四线城市，仅仅花费几万元甚至十几万元，就能 拥有一套住房。这些事实都在印证着马云当年的预言并非空穴来风。 近日，网上流传着关于"马云2025年下半年存款市场形势预测"的消息。经过查证，并没有任何官方或可 靠的 ...

Group 1 - The average deposit rates for various terms have continued to decline, with the 3-month rate at 0.944%, 6-month at 1.147%, 1-year at 1.277%, 2-year at 1.367%, 3-year at 1.688%, and 5-year at 1.519% as of September 2025 [1][2] - The decline in deposit rates is attributed to ongoing pressure on net interest margins, which have decreased from 1.52% at the end of last year to 1.42% by the end of the second quarter of this year [3] - The phenomenon of inverted yield curves between short-term and long-term deposit rates remains significant, with the 3-year average rate exceeding the 5-year rate [3][4] Group 2 - The average rates for large-denomination certificates of deposit (CDs) have also shown a mixed trend, with the 3-month rate at 1.134%, 6-month at 1.318%, and 1-year at 1.394% [5][6] - The average expected middle yield for structured deposits has decreased to 1.59%, while the average expected maximum yield has increased to 2.09% [6][7] - The average term for structured deposits has increased across different types of banks, with foreign banks showing the longest average term of 405 days [6][7]

Core Viewpoint - The article discusses the continuous decline in deposit interest rates in China, highlighting the pressure on net interest margins and the phenomenon of inverted interest rates between short-term and long-term deposits [1][4]. Deposit Interest Rates - As of September 2025, the average interest rates for various deposit terms are as follows: 3-month at 0.944%, 6-month at 1.147%, 1-year at 1.277%, 2-year at 1.367%, 3-year at 1.688%, and 5-year at 1.519% [1][2]. - Compared to the previous month, the rates have decreased slightly across all terms, with the 3-year term seeing a decline of 0.4 basis points [1][2]. Net Interest Margin Pressure - The net interest margin for commercial banks has been on a downward trend, recorded at 1.52% at the end of last year, 1.43% at the end of Q1, and 1.42% at the end of Q2 this year [4]. - The decline in deposit rates is seen as a response to the ongoing pressure on net interest margins, with banks adjusting rates to manage costs associated with long-term deposits [4][5]. Inverted Interest Rates - The article notes a significant inversion in interest rates, where the average interest rate for 3-year deposits (1.688%) is higher than that for 5-year deposits (1.519%) [4][5]. - This inversion has been a recurring theme since 2024, indicating a shift in depositor behavior and banks' strategies to encourage shorter-term deposits [5]. Large Time Deposits - The interest rate advantage of large time deposits is diminishing, with average rates for various terms in September 2025 showing mixed changes [7]. - For instance, the 3-month large time deposit rate is at 1.134%, while the 1-year rate is at 1.394%, indicating a narrowing gap between large time deposits and regular deposits [7]. Structural Deposits - The average term for structured deposits has increased, with the average term for RMB structured deposits at 106 days, up 5 days from the previous month [8]. - The average expected middle yield for structured deposits is 1.59%, reflecting a slight decrease, while the average expected maximum yield is 2.09%, showing a small increase [8][9]. Conclusion - Overall, the article emphasizes the ongoing downward trend in deposit interest rates, the challenges posed by net interest margin pressures, and the implications of inverted interest rates on banking strategies [1][4][5].

Core Viewpoint - The average deposit rates in China continue to decline, with significant pressure on net interest margins, leading to a persistent inversion in long-term and short-term deposit rates [1][4][5]. Deposit Rate Trends - As of September 2025, the average deposit rates for various terms are as follows: 3-month at 0.944%, 6-month at 1.147%, 1-year at 1.277%, 2-year at 1.367%, 3-year at 1.688%, and 5-year at 1.519% [1][3]. - Compared to the previous month, the rates have decreased slightly across all terms, with the most significant drop being 0.4 basis points for the 3-year term [1][3]. Net Interest Margin Pressure - The net interest margin for commercial banks has been on a downward trend, recorded at 1.52% at the end of last year, 1.43% at the end of Q1, and 1.42% at the end of Q2 this year [4]. - The continuous decline in deposit rates is attributed to the ongoing pressure on net interest margins, which has led banks to adjust their deposit pricing strategies [4][5]. Long-term vs Short-term Rate Inversion - A notable phenomenon is the inversion of average rates between 3-year and 5-year deposits, with the 3-year rate at 1.688% being higher than the 5-year rate at 1.519% [1][4]. - This inversion has been persistent since 2024, indicating a shift in depositor behavior towards shorter-term deposits [5]. Large-denomination Certificate of Deposit (CD) Trends - The average rates for large-denomination CDs have also shown mixed trends, with the 3-month rate at 1.134%, 6-month at 1.318%, and 1-year at 1.394% [6][7]. - The rate differences between large-denomination CDs and regular deposits are narrowing, particularly for terms longer than one year [7]. Structural Deposit Insights - The average term for structured deposits has increased to 106 days, with a slight decrease in average expected middle yield to 1.59% [7][8]. - Different types of banks show varying trends in structured deposit terms and yields, with foreign banks having the longest average term at 405 days and the highest expected yield at 4.35% [7][8].

Core Viewpoint - Multiple regional small and medium-sized banks in China have recently announced significant reductions in various deposit interest rates, indicating a trend to stabilize net interest margins amid a declining interest rate environment [1][2][5]. Group 1: Deposit Rate Adjustments - Pingyang Pudong Rural Bank announced a new round of deposit rate adjustments effective from October 21, with reductions of 40 to 80 basis points across various fixed-term deposit products [1]. - Shantou Bay Rural Commercial Bank also reduced its fixed-term deposit rates effective October 18, with annualized rates adjusted to between 0.95% and 1.80%, reflecting a decrease of 15 to 20 basis points [2][4]. - Other banks, including Jiangsu Su Commercial Bank and Shanghai Huari Bank, have also joined the trend of lowering deposit rates, with specific reductions planned for October 22 and October 13, respectively [5]. Group 2: Market Context and Implications - The recent adjustments in deposit rates are primarily driven by the decline in the Loan Prime Rate (LPR), with larger state-owned banks having already reduced their deposit rates [5]. - Analysts suggest that the ongoing pressure on net interest margins for small and medium-sized banks necessitates these rate cuts to manage liability costs effectively [6]. - The overall trend indicates that banks are likely to continue lowering deposit rates, which may provide room for future monetary easing and potentially lead to a 10 basis points rate cut in the fourth quarter [6].

Core Viewpoint - Recent adjustments in deposit rates by several small and medium-sized banks indicate a proactive response to the pressure on the liability side, reflecting a consensus expectation of declining interest rates [1][3]. Summary by Sections Deposit Rate Adjustments - Multiple banks, including Dalian Lushunkou Mengyin Village Bank, have lowered their deposit rates, with the current rate for demand deposits set at 0.15% and fixed-term rates for various periods adjusted downwards [2]. - Since October, banks such as Fujian Huatuo Bank and Shanghai Huarui Bank have also made similar rate cuts, with the latter having adjusted rates multiple times this year [2]. Reasons for Rate Cuts - The primary reason for the reduction in deposit rates among small and medium-sized banks is the continuous narrowing of net interest margins, driven by multiple cuts in the Loan Prime Rate (LPR) [3]. - Banks are adjusting long-term deposit rates in anticipation of further declines in interest rates, aiming to avoid locking in high-cost liabilities [3]. Interest Rate Inversion - Some banks are experiencing an inversion in deposit rates, where shorter-term rates exceed longer-term rates, indicating a strategic move to optimize liability structures in response to expected future rate declines [4]. - For instance, Dalian Lushunkou Mengyin Village Bank's five-year deposit rate is lower than its three-year rate, reflecting a cautious approach to managing long-term liabilities [4]. Strategies for Banks - To address challenges posed by declining deposit rates, banks are encouraged to adopt strategic management reforms, enhance regional market research, and leverage digital upgrades [5]. - Banks should focus on fine-tuning asset-liability management, expanding low-cost demand deposits, and increasing non-interest income through wealth management services [5][6]. - Overall, the current interest rate adjustments are seen as a necessary adaptation for banks to balance cost control and strategic transformation for sustainable growth [6].

Core Viewpoint - Recent adjustments in deposit rates by several small and medium-sized banks indicate a proactive response to the pressure on the liability side, reflecting a consensus expectation of declining interest rates [1][3]. Group 1: Deposit Rate Adjustments - Many banks have lowered deposit rates across various terms, with specific rates such as 0.15% for demand deposits and 1.15% to 1.9% for fixed deposits of different maturities [2]. - The trend of lowering deposit rates is observed among multiple banks, including Fujian Huatuo Bank and Shanghai Huarui Bank, with the latter having made several adjustments within the year [2]. - The adjustments are primarily driven by the need to manage funding costs and maintain net interest margins amid a narrowing interest spread [3]. Group 2: Interest Rate Inversion - Some banks are experiencing an inversion in deposit rates, where longer-term rates are lower than shorter-term rates, indicating a cautious approach to long-term liabilities [4]. - For instance, Dalian Lushunkou Mengyin Village Bank has a five-year deposit rate of 1.85%, which is lower than the three-year rate of 1.9% [4]. - This inversion reflects banks' expectations of further declines in interest rates, prompting them to avoid locking in high-cost long-term liabilities [4]. Group 3: Strategic Responses - Banks are advised to enhance their strategic management and innovate by integrating local advantages and focusing on regional market research [5]. - Recommendations include refining asset-liability management, expanding low-cost demand deposits, and increasing non-interest income through wealth management services [5][6]. - The current interest rate adjustments are seen as a necessary adaptation for banks to balance cost control and strategic transformation for sustainable development [6].