江苏银行宣布自8月20日起下调三年期定期存款利率10个基点至1.75%，起存金额为一万元。该行一年 期、二年期定期存款利率暂未调整。这一调整与近期多家中小银行下调存款利率的趋势一致，主要目的 是控制负债成本、稳定净息差。 数据显示，江苏银行8月20日主力资金净流入1.70亿元，占流通市值的0.08%。近五个交易日累计主力资 金净流入356.39万元。 风险提示：以上内容仅供参考，不构成投资建议。市场有风险，投资需谨慎。 截至2025年8月20日15时，江苏银行股价报11.25元，较前一交易日上涨1.26%。当日成交量为211.79万 手，成交金额达23.98亿元。该股开盘报11.07元，盘中最高触及11.50元，最低下探至11.07元，振幅为 3.87%。 江苏银行属于银行板块，是江苏省内重要的城市商业银行。该行主要经营公司银行业务、个人银行业务 及资金业务，在江苏省内拥有广泛的网点布局。 ...

"三年期定期存款利率将于本周三（8月20日）下调！"周二，陈女士从江苏银行客户经理处得知，该行三年期定期存款 利率将由1.85%降至1.75%，降幅10个基点。 据券商中国记者梳理，近日，浙江、贵州、吉林等地的多家村镇银行宣布将下调存款利率，降幅在10至20个基点不等。 与之形成对比的是，多家银行近期推出了年化利率2%以上的大额存单产品，引发市场关注。 业内人士指出，本轮存款利率下调以中小银行为主，面对净息差下滑趋势，中小银行主动调控负债成本，跟进下调存款 利率以稳定息差。而未来，存款利率下调趋势仍将持续，在此背景下，中小银行应加快思考如何摆脱高息存款依赖、打 造差异化的产品和服务体系，以提升竞争力。 最高降幅20个基点 工作人员向陈女士介绍，调整后，江苏银行三年期的定期存款年化利率为1.75%，起存金额为一万元；同类定期 存款产品一年期、二年期的利率则暂未调整。 记者梳理发现，近期，多家中小银行密集发布存款利率调整公告。 8月19日，嵊州瑞丰村镇银行发布存款利率公示，该行人民币个人定期存款整存整取三个月、六个月、一年、二年、三 年、五年的年化利率分别调整为0.8%、1.1%、1.15%、1.15%、1.3% ...

Group 1 - In 2025, the balance of household deposits exceeded 156 trillion yuan, showing a year-on-year increase of 14.3%, but the reality is that this "money bag" is riddled with issues as the real estate market collapses and prices plummet [1] - The decline in deposit interest rates, with three-year fixed deposit rates dropping from 3.5% to 1.95%, has led to a situation where depositors' earnings are being eroded by inflation, as indicated by the central bank's report on financial stability [2] - The shift of deposits to the wealth management market is evident, with public fund issuance increasing by 47% year-on-year in the first half of 2025, as low bank interest rates push individuals to seek higher returns [3] Group 2 - The financial market is experiencing a "bloody hunt," with significant losses reported in the A-share market, where the total market value evaporated by 26.94 trillion yuan, leading to severe consequences for investors, particularly the elderly [4] - High household debt levels, with a leverage ratio of 61.5%, are contributing to consumer anxiety, as rising living costs outpace wage growth, forcing families to cut back on spending [5] - Strategies for protecting personal finances include ladder savings methods and defensive investment strategies, emphasizing the importance of avoiding high-risk investment products that promise unrealistic returns [6]

Group 1 - The recent collective reduction of deposit rates by six major state-owned banks has caused significant concern among ordinary households, with three-year fixed deposit rates falling below 1.5% and large-denomination certificates of deposit yielding only 1.9% [1] - Over the past decade, there has been a clear downward trend in bank deposit rates, with three-year fixed deposit rates dropping from around 5% in 2015 to 1.5% today, leading to a substantial decrease in interest income for depositors [1] - The phenomenon of "negative interest rates" is pressuring many conservative investors and retirees who rely on deposit interest for income, as real returns may be negative when considering inflation [1] Group 2 - Investors are increasingly turning to the stock market as a response to shrinking savings, although the stock market carries its own risks and is not a guaranteed safe haven [1] - The annualized return of the Shanghai Composite Index over the past decade has been 5.8%, significantly higher than the current deposit rates, but this figure is accompanied by many investors' losses [1] Group 3 - Stock market investment requires caution, and investors should adhere to principles such as only using idle funds that are not needed for three years, limiting individual stock investments to no more than 20% of total assets, and focusing on essential sectors like consumer goods and healthcare [3] - Diversification is recommended for investors with lower risk tolerance, with options including high-quality bonds, money market funds, gold, and bank wealth management products [5] Group 4 - Ordinary households should enhance their financial literacy to rationally cope with the pressure of declining deposits, focusing on understanding different investment products and avoiding blind speculation [7] - It is essential to adopt a long-term investment perspective and optimize household financial structures to improve risk resilience, including reducing unnecessary expenses and increasing income sources [7]