在进入到2025年12月之后，银行存款市场出现了大调整。一边是国有六大银行对5年期的大额存单进行下架处理，剩下的三年期产品也降到了1.55%。而另 一边是，像宁波银行、盛京银行、杭州银行等这些中小银行却悄悄的上调了存款利率。比如，盛京银行沈阳支行将1年、2年、3年期利率分别是1.65%、 1.75%、1.85%。为此，有不少储户表示，现在存款市场的利率变化实在让人看不懂。 实际上，当前存款市场出现大调整也并不奇怪。国有六大银行之所以将5年期大额存单全部下架，背后的原因是，未来5年存款市场的形势并不明朗，银行不 愿意承担长期存款利率的风险。此外，5年期大额存单利率会比较高，现在国有银行并不缺存款，为了减少利息支出成本，国有六大银行就会将5年期大额存 单进行下架处理。 至于像宁波银行、盛京银行、杭州银行等中小银行，之所以要上调各档存款利率，主要有两方面的原因：一个是，中小银行揽存的能力要比国有六大银行要 弱，所以只能通过高息揽存的方式，来吸收储户资金的流入。另一方面，通常在每年的年底，很多中小银行为了让自己这一年的业绩再好看一些，往往就会 做最后的冲刺，往往就会提高银行存款利率。 而面对当前银行存款市场的形势，有 ...

Core Viewpoint - Several small and medium-sized banks have lowered their five-year fixed deposit rates to below those of state-owned banks, reflecting pressure on their liability side and a shift in deposit strategies [1][2]. Group 1: Deposit Rate Adjustments - Starting June 5, 2023, Guangzhou Huadu Chouzhou Village Bank reduced its five-year fixed deposit rate to 1.2%, aligning it with the six-month deposit rate [1]. - Beijing Huairou Rongxing Village Bank also lowered its five-year fixed deposit rate to 1.2% as of June 1, 2023, with one-year, two-year, and three-year rates adjusted to 1.35%, 1.2%, and 1.2% respectively [1]. - City commercial banks, including Beijing Bank, Shanghai Bank, Nanjing Bank, and Changsha Bank, have also reduced their deposit rates to below 1.5% for various terms [2]. Group 2: Market Dynamics - The recent adjustments in deposit rates indicate that small and medium-sized banks are facing increased pressure on their liability side, leading to a need for strategic changes [2]. - The trend of declining short-term deposit rates has resulted in longer deposit terms for residents, which has further increased the cost of liabilities for small and medium-sized banks [2]. - The downward trend of large banks in the market has put significant pressure on the asset side of small and medium-sized banks, prompting them to adjust their liability structures to enhance competitiveness [2].