据时代财经，自今年开年以来，多家银行正在密集推出2026年首期大额存单产品。记者根据中国货币网 数据统计，截至1月7日，今年已有超过30家银行发布2026年第一期大额存单发行公告。 值得注意的是，一直以来也被称为存款利率"高地"的民营银行，在进入2026年以来，降息的节奏进一步 加快。据不完全统计，至少有3家民营银行宣告在2026年1月启动降息。 | | | | | 存款利率 | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1.整存整取 | | | | | | | | | | 利率类别 | | 3个月 | 6个月 | 1年 | 2年 | 3年 | 5年 | | | 50-1万元 | | 0.75% | 1.00% | 1.20% | 1.25% | 1.30% | 1.35% | | | 1万元及以上 | | 0.95% | 1.15% | 1.25% | 1.25% | 1.50% | 1.35% | | | 2.大额存单 | | | | | | | | | | 利率类别 | 1个月 | 3个月 | 6个月 | 9个月 ...

中经记者 慈玉鹏 北京报道 多家中小银行近期调降存款利率。其中，部分银行一年期整存整取存款利率降幅达到30BP。 《中国经营报》记者采访了解到，目前货币政策导向并未发生转向，并且后续降准降息仍有一定的空 间，利率仍呈现下降趋势。 利率下调 近期多家中小银行调整存款利率。例如，2026年1月6日，濮阳中原村镇银行发布公告表示，自1月7日起 调整多项定期存款利率。其中，三个月、六个月、一年期、两年期、三年期、五年期利率分别为 1.05%、1.25%、1.40%、1.40%、1.75%、1.55%。相比调整前，分别降低了30BP、30BP、25BP、 30BP、0BP、20BP。其中，三个月、六个月、一年期降幅最大，达到30BP。 目前，存款利率仍呈现下降趋势。一位西北地区银行人士告诉记者，在当前的宏观经济形势下，货币政 策导向并未发生转向，并且后续降准降息仍有一定的空间，商业银行面临的负债成本管控压力依然较 大。加之市场对后续降准的宽松货币政策仍有预期，商业银行对未来负债成本的管控压力预判仍呈承压 状态。基于这一背景，未来存款的下行趋势或仍将延续。 值得注意的是，2026年中国人民银行工作会议指出，将继续实施好适 ...

2025年已经过去了。这一年储户们存钱的热情还是越来越高涨。数据显示：1-11月居民存款增加12.06万元。老百姓之所以爱存钱。这主要是为了应对失 业、疾病等突发事件。此外，现在股票、基金、银行理财等高收益产品的风险比较大，弄不好会蚀掉本金，还不如把钱存到银行里面，这样才能更放心。 而面对当前存款利率、投资市场，以及普通家庭的实际情况，有银行职员表示：2026年起，手里有定期存款的人，应尽量做好这4个准备，这样才能采取相 应的措施。让我们一起来了解一下： 准备一：存款利率还有下调的空间 从2023年开始，国内存款利率就进入到下降的通道之中。以3年期定期存款为例，之前的利率是3.25%，现在已经跌到了1.75%。如果把10万元存入银行定 期，平均每年利息收入是1750元，与过去相比利息少了1500元。而未来存款利率还会有下降的空间。而受利率下降影响最大的是，喜欢存钱的老年人群体， 以及想靠存款利息收入生存的人。 随着银行存款利率持续下降，而物价水平却在不断回升，未来存款利率肯定无法跑赢通胀。不仅如此，由于每年物价有不同程度的上涨，储户放在银行里的 存款的购买力也是一年不如一年。面对存款利率无法跑赢通胀，甚至存款 ...

临近年末，许多人的投资储蓄需求增加，但是大家发现，市场上的中长期存款产品有所减少。 这是怎么回事？ 最近，连央视都关注了六大行存款利率下调的事，工、农、中、建、交、邮储六大国有银行，3年期的 存款利率普遍是给降到1.5%—1.75%，5年期大额存单更是集体消失买不了了。 回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在官网公 开发布《关于发售2025年第一期个人大额存单的公告》，包括1个月、3个月、6个月、1年、2年、3年、 5年共计7个期限。其中，3年期、5年期大额存单产品利率分别为1.55%、1.6%，但明确标注"仅面向特 定客户发售"。 值得关注的是，在"下架"长期限存款产品的同时，还有不少银行正在持续下调存款利率，包括海南保亭 融兴村镇银行、汕头海湾农商银行等，最高降幅高达65个基点。 越是到年底大家爱存钱的时候，这利率越是砍的狠。 要知道，30 年前，银行3年期存款的基准利率高达12%以上，现在跌到零头还不剩。有人说了，以前把 钱存银行利息可以买辆车，现在把钱存银行利息不够停个车。说白了，中国独有的存款高息时代可能真 的回不来了。 过去30年来，中国经历了漫长 ...

潮新闻客户端 记者 陈颖 竞相上调利率，来吸引更多的客户……每年岁末，各家银行都在忙活着准备"揽储大战"。 于是，拖着行李箱，跨省奔赴各大地方中小银行网点的"存款特种兵"，往往成为追逐利率的"先锋"。最火热的时候，一些地方中小银行还会为这 些"特种兵"们，专门安排跨省存款福利。四川、贵州、广东、广西等地的中小银行，更是社交平台上"跨省（区）赚息"帖子上的种草高频词。 然而，随着当下银行存款利率不断下调，这股热潮似乎已经退却。 曾专门去广东存款吃利息 "特种兵"今年缺少动力 "去年，我专门从杭州跑到广东存定期存款，只为锁定存款利息。今年想续存，却找不到同类产品了。"2024年，在杭州工作的章先生借着探亲的机会，跨省 在广东农信社存入了84万元定期存款，"当时，这家银行一年定期存款利率能给到2%，一年利息有16,800元，相比当时杭州国有大行一年期定存1.2%左右的 利息，还是多出不少。" 今年12月，他购买的定期存款即将到期。但即便是在外省中小银行，章先生也很难寻找到高息存款利率。他翻开社交平台，平台上分享2025年年末"存款特 种兵分享攻略"的帖子更是寥寥无几。 "没有高息存款利率，大家也就没了动力。"章先生 ...

Core Viewpoint - Recent adjustments in deposit interest rates by banks such as Hangzhou Bank indicate a strategic move to attract deposits, despite an overall trend of declining rates in the banking sector [1]. Group 1: Deposit Rate Adjustments - Hangzhou Bank has raised its deposit rates, with new funds for a 3-year term set at 1.9% for amounts starting from 200,000 yuan, while non-new funds for the same term are at 1.8% [1]. - For smaller deposits, the 3-year term rate is 1.75% for amounts starting from 50,000 yuan, with rates decreasing to 1.6% for 2-year terms and 1.5% for 1-year terms [1]. - Similar rate increases have been observed at Ningbo Bank and Shengjing Bank, suggesting a broader trend among certain banks to adjust rates [1]. Group 2: Industry Trends - The increase in deposit rates by some banks is viewed as a temporary measure aimed at boosting deposit inflows [1]. - Despite these isolated increases, the general trend in the banking industry remains towards lower deposit rates overall [1].

Group 1 - Recent months have seen a trend of banks, including small and medium-sized banks as well as major state-owned banks, reducing their 5-year fixed deposit and large certificate of deposit products, with small banks leading the way with cuts of up to 80 basis points [1][2] - The current round of deposit rate cuts is primarily a decentralized adjustment by small banks and does not yet reflect a comprehensive reduction led by major state-owned banks [2] - The People's Bank of China (PBOC) is expected to lower interest rates in January to support the 2026 growth target, with indications that deposit rates may decrease before the Loan Prime Rate (LPR) [5][6] Group 2 - As deposit rates decline, some funds are likely to shift from low-yield deposits to equity markets, indicating a potential change in investment behavior [7] - The government is showing unprecedented support for the stock market, with the approval of the first batch of seven dual-innovation artificial intelligence ETFs set to launch on November 28 [8] - The reduction in deposit rates, with current rates at 0.95% for 1-year and 1.05% for 2-year deposits, is expected to encourage residents to invest in the stock market and index funds [10] Group 3 - The dual inflow of resident and institutional funds into the market signifies a significant shift in investment patterns, moving away from traditional bank deposits and real estate towards equity markets [11]

Core Viewpoint - The recent trend of declining deposit rates, particularly among small and medium-sized banks, is expected to lead to a nationwide reduction in deposit rates, influenced by central bank policies aimed at stimulating economic growth [2][4][6]. Group 1: Deposit Rate Changes - Small and medium-sized banks have led the recent reduction in deposit rates, with some banks reducing rates by up to 80 basis points [2]. - For instance, the Tongyu County Mengyin Village Bank has not only lowered rates for 1-year, 2-year, and 3-year deposits but has also eliminated 5-year fixed deposits [3]. - The current reductions in deposit rates are characterized as a decentralized approach among small and medium-sized banks, rather than a comprehensive reduction led by major state-owned banks [4]. Group 2: Central Bank Policies - The central bank is expected to lower interest rates further to achieve the 2026 economic growth target, with a potential LPR (Loan Prime Rate) cut anticipated in January [6]. - The central bank's third-quarter report emphasized the need to strengthen interest rate policy execution and supervision to lower banks' funding costs and promote a decrease in overall financing costs [7]. Group 3: Implications of Lower Deposit Rates - Lower deposit rates are significant not only for reducing banks' funding costs but also for guiding savings into the market [8]. - As deposit rates decline, some funds are likely to shift from low-yield deposits to equity markets, such as stocks [9]. - The government's unprecedented support for the stock market, including the approval of the first batch of seven AI-themed ETFs, indicates a strong commitment to stabilizing the market and promoting technology stocks as key investment assets [10]. Group 4: Investment Trends - The emergence of more ETFs suggests a shift in residents' investment preferences from individual stocks to ETFs, indicating a broader trend in investment behavior [11]. - Currently, the 1-year deposit rate for major state-owned banks has fallen to 0.95%, with the 2-year rate at 1.05%, and further declines are expected [11]. - The dual entry of both resident and institutional funds into the market signifies a significant change in investment patterns, moving away from traditional bank deposits and real estate towards index funds and equity markets [12].

Core Viewpoint - The trend of five-year fixed deposits disappearing from banks' offerings indicates a shift in the banking sector towards optimizing liability structures and reducing costs in response to narrowing net interest margins [1][4][6]. Group 1: Changes in Deposit Products - Several small and medium-sized banks have recently removed five-year fixed deposit products and lowered interest rates across various terms to optimize their liability structures and reduce costs [2][4]. - Notably, banks such as SuShang Bank, HuaRui Bank, and XinAn Bank have been particularly active in adjusting their deposit offerings, with some banks completely omitting five-year fixed deposit rates from their listings [2][4]. - While major banks still offer five-year ordinary fixed deposit products, the interest rates for large fixed deposits have converged with those of ordinary deposits, diminishing the appeal of high-threshold large fixed deposits [3][4]. Group 2: Impact on Banking Sector - The adjustments reflect the banking industry's response to pressures from narrowing net interest margins, which have reached historical lows, with the current net interest margin at 1.42% [4][6]. - The dual impact of declining loan rates and rigid deposit costs has compelled banks to proactively manage their liability costs, with five-year fixed deposits being a primary target for cost reduction [4][6]. - Experts suggest that the trend of reducing high-cost deposit products may continue, as banks aim to stabilize their net interest margins and adapt to changing market conditions [5][6]. Group 3: Implications for Depositors - The gradual phase-out of five-year fixed deposits signals a shift away from traditional "passive interest" strategies, urging depositors to reconsider their asset allocation strategies [5][6]. - Depositors are encouraged to diversify their investments and consider various financial products, such as funds and bank wealth management products, to balance returns and liquidity [6][7]. - The current environment suggests that depositors should adapt to a more flexible and diversified approach to financial management, moving away from reliance on long-term high-interest savings [6][7].

Core Viewpoint - The recent adjustments by small and medium-sized banks to long-term fixed deposit products reflect the banking industry's efforts to optimize deposit structures and reduce liability costs amid narrowing net interest margins [2][5]. Group 1: Changes in Deposit Products - Many small and medium-sized banks have recently announced the removal of five-year fixed deposit products and have simultaneously lowered interest rates across various deposit terms [3][4]. - The adjustments are particularly pronounced among private banks and rural banks, with institutions like SuShang Bank and HuaRui Bank leading the changes [3]. - Major state-owned banks and several joint-stock banks are also tightening the supply of long-term deposit products, making five-year large-denomination certificates of deposit increasingly rare [3][4]. Group 2: Impact on Net Interest Margin - The banking sector is facing significant pressure on net interest margins, which have fallen to historical lows, currently at 1.42% as of the end of Q3 [5]. - The decline in net interest margins is attributed to both falling loan rates and the rigid costs associated with deposits, prompting banks to take proactive measures to manage costs [5]. - Small and medium-sized banks, with relatively weaker funding capabilities, are leading the way in removing five-year fixed deposit products to optimize their liability structures and reduce costs [5]. Group 3: Future Outlook for Depositors - The trend of reducing high-cost deposit products is expected to continue, with potential further declines in deposit rates as banks adjust to the current interest rate environment [6]. - Depositors are encouraged to shift their investment strategies away from traditional long-term high-interest savings models towards more flexible and diversified asset allocation strategies [6][7]. - Financial experts suggest that individuals should consider a mix of different deposit terms and explore other investment products such as funds and bank wealth management products to enhance expected returns [7].