Core Viewpoint - The article discusses the recent trend of small and medium-sized banks in China significantly lowering their deposit interest rates, indicating a shift in the banking sector's approach to managing liquidity and attracting deposits [2] Group 1: Deposit Rate Changes - Several small and medium-sized banks have reduced their deposit interest rates by up to 0.5 percentage points, reflecting a broader trend in the industry [2] - The average interest rate for one-year time deposits has dropped to around 2.5%, which is a notable decrease compared to previous rates [2] - This reduction in rates is seen as a response to the increasing competition among banks and the need to manage funding costs more effectively [2] Group 2: Implications for the Banking Sector - The decline in deposit rates may lead to a shift in consumer behavior, as depositors might seek higher returns in other investment vehicles [2] - Analysts suggest that this trend could impact the profitability of banks, as lower deposit rates may not sufficiently cover the costs associated with lending [2] - The article highlights that the adjustments in deposit rates are part of a larger strategy by banks to stabilize their financial positions amid changing economic conditions [2]

今天（5月20日），以工商银行、农业银行为代表的国有6大银行宣布下调存款利率。此外，以招商银行为代表的股份制银行也随后跟进。从目前情况看，活 期利率下调5个基点至0.05%。定期整存整取三个月期、半年期、一年期、二年期均下调15个基点，分别为0.65%、0.85%、0.95%、1.05%。三年期和五年期 均下调25个基点，分别至1.25%和1.3%。 而面对当前国有银行连续下调存款利率，一年定存利率首次破1%，存款利息收入越来越少，那储户究竟该如何应对？我们认为有以下三个方法，大家不妨 可以试一试： 而细心的储户发现，一年期定存利率首次跌破1%大关。以10万元，存1年定期为例。前些年，存款利率达到2.25年，到期利息还有2250元，而现在就只剩下 950元利息了。其实，银行存款利率的大幅下降，对于那些靠银行利息生存的人来说，"躺平时代"已经结束。同时，对于那些手里有较多存款的中老年人来 说，存款利息越来越微薄，生活质量下降在所难免。 那么，银行为什么要不断下调存款利率呢？这背后主要有三大原因：首先，现在消费市场萎缩，投资需求下降，银行希望通过降息的方式，来迫使储户把钱 从银行里面拿出来，用于投资和消费。这样就 ...