受美联储货币政策影响 本报记者 彭妍 近日，美联储宣布将联邦基金利率目标区间下调25个基点到3.75%至4%之间，这是美联储今年以来的第二次降息。受此消 息影响，近期银行美元定期存款利率进入调整通道。《证券日报》记者从多家银行获悉，当前市场上的美元定期存款利率已普 遍降至3%左右，较此前水平出现明显下调。 受访人士表示，未来美元存款利率仍有下行空间，年内迈入"2字头"概率较高，但具体调整节奏和幅度会因银行自身策 略、美联储政策及市场环境等因素而有所不同。对于投资者而言，需理性评估美元存款的收益与汇率风险，避免盲目配置。 普益标准研究员董丹浓告诉《证券日报》记者，当前3%左右的美元存款利率仍有下行空间，年内迈入"2字头"概率较高。 事实上，今年以来银行持续对美元定期存款利率进行调整。此前多家银行"4字头"的美元定期存款利率已逐步下调，正式 进入"3字头"区间；而随着美联储年内第二次降息落地，银行调整美元定期存款利率的节奏进一步加快。 值得注意的是，专家提醒投资者需理性评估收益与风险，避免盲目配置。董丹浓认为，当前并不建议盲目配置长期美元存 款，短期产品可适度参与，但需高度警惕利率与汇率双重风险，多元化配置是更优 ...

Core Viewpoint - The recent adjustments in USD deposit rates by banks are a direct response to the Federal Reserve's interest rate cuts, indicating a downward trend in USD deposit rates across the market [2][4][9]. Group 1: USD Deposit Rate Adjustments - Many banks have begun to lower their USD deposit rates, with several products transitioning from the "4" range to the "3" range this year [3][4]. - For instance, Xi'an Bank has reduced its USD deposit rates across various terms, with the 1-month and 3-month rates dropping by 0.4% and 0.5% respectively [5][4]. - Nanjing Bank has also adjusted its rates for its "Xin Hui Tian" product, with rates for 3-month, 6-month, and 1-year deposits decreasing from 3.5%, 3.7%, and 3.8% to 3.3%, 3.4%, and 3.55% [6][4]. Group 2: Future Rate Expectations - Analysts predict that USD deposit rates may continue to decline, potentially entering the "2" range, with expectations of rates settling between 2.5% and 2.8% in the near future [8][10]. - Goldman Sachs Asset Management anticipates further rate cuts by the Federal Reserve in October and December, which could influence domestic USD deposit rates downward [9][10]. - The overall sentiment in the industry suggests that the current 3% rate may be a temporary high point, with a strong likelihood of further reductions [9][10]. Group 3: Market Reactions and Investor Behavior - Despite the declining rates, some investors still prefer USD deposits, viewing them as more favorable compared to regular RMB deposits [11]. - Experts advise caution for inexperienced investors, emphasizing the need to assess both yield and currency risk when considering USD deposits [11][12]. - The market is seeing a shift where banks are adjusting their strategies based on the changing interest rate environment, with some banks maintaining higher rates to attract deposits while others lower rates to manage costs [7][12].