"利率2.2%的三年期存款产品于1月5日正式下架了，所有定期产品利率都下降了20个基点。"1月6日，苏商银行营销人员告诉中国证券报 记者。 新年伊始， 多家中小银行调整存款利率 。记者调研发现，除苏商银行外，武定兴福村镇银行、徐闻农商银行、商南农商银行等十多家中小 银行，均于近日发布存款利率调整公告。 从单家银行来看，各期限存款利率"一刀切式"的统一调整已不常见，取而代之的是， 不同期限的存款利率对应不同的调整幅度。 "1月5日下午刚下调的利率，各期限定期存款利率都降了。"上述苏商银行营销人员向记者表示，"我行目前三年期定期存款产品利率为 1.9%，每个人最多只能存20万元。" 濮阳中原村镇银行近期也发布了存款利率调整公告，对比此前利率，本次调整后三个月期、六个月期、两年期存款利率同步下调30个基 点，一年期、五年期存款利率分别下调25个基点、20个基点，三年期存款利率未变，新利率自1月1日起执行。 此外，徐闻农商银行1月1日起调整存款利率，其中活期存款和三个月期存款利率保持不变，其他期限的定存利率均下调5个基点。 值得注意的是，与此前"一边倒式"的降息不同，近日中小银行存款利率调整呈现"有升有降""长短不同 ...

Core Viewpoint - Since 2022, commercial banks have implemented various measures to reduce liability costs, including multiple rounds of deposit rate cuts and the removal of high-interest deposit products, leading to a situation where shorter-term deposit rates exceed longer-term rates, known as "inverted" deposit rates [1][2] Group 1: Deposit Rate Adjustments - Commercial banks have lowered deposit rates in response to market conditions, with some banks removing long-term deposit products to stabilize net interest margins [1][2] - The net interest margin for commercial banks has decreased significantly, with the latest figure reported at 1.42% in Q3 of this year, indicating a low level historically [1][2] Group 2: Asset and Liability Management - To stabilize net interest margins, banks are focusing on both increasing asset yields and reducing liability costs, with a particular emphasis on optimizing deposit structures [2] - The reliance on interest margin income is high within the banking sector, making it crucial for banks to maintain reasonable net interest margins to ensure stable income and profit [2] Group 3: Impact on Residents - The reduction in deposit rates and the withdrawal of higher-yield products have raised concerns among residents, particularly older individuals who rely heavily on bank deposits for their surplus funds [3] - Residents are encouraged to diversify their asset allocation by considering government bonds or low-risk bank wealth management products to balance risk and return in light of declining deposit rates [3] Group 4: Future Outlook - The downward pressure on net interest margins is expected to continue, with a high probability of further deposit rate reductions, which is necessary for both the banks' operational needs and the broader economic context [4] - Effective liability management by banks and proactive asset allocation by residents are essential for reducing financing costs and promoting a healthy economic cycle [4]