【环球网财经综合报道】近期，中小银行再迎来存款降息潮。浙江、广东、吉林等地农商行及村镇银行纷纷宣布下调存款利率。不同期限的存款利率降幅在 5BP - 20BP之间，其中三年期和五年期的降幅显著。 | 项目 | 人行基准利率(%) | 潮阳农商银行 挂牌利率(%) | | --- | --- | --- | | 一、活期存款 | 0.35 | 0.05 | | 二、定期存款 | | | | (一) 整存整取 | | | | 三个月 | 1.1 | 0.7 | | 六个月 | 1.3 | 0.9 | | 一年 | 1.5 | 1.0 | | 二年 | 2.1 | 1.1 | | 三年 | 2.75 | 1.3 | | 五年 | | 1.35 | 吉林也有多家村镇银行跟进降息。长春朝阳和润村镇银行、吉林长白榆银村镇银行、吉林白山浑江恒泰村镇银行、吉林龙潭华益村镇银行等自8月20日起调 整存款挂牌利率。调整后，活期利率为0.15%，下调5BP；1天期和7天期通知存款利率分别为0.55%、0.95%，均下调10BP；整存整取储蓄存款三个月期、半 年期、一年期、二年期利率分别为1.15%、1.35%、1.6%、1.65% ...

Core Viewpoint - Xiamen International Bank Quanzhou Branch is committed to providing elderly financial services with a focus on a "people-centered" service philosophy, extending its financial services to senior universities, communities, and village committees, thereby creating a comprehensive elderly financial service system that delivers warmth to the elderly population [1][3][4] Group 1: Service Implementation - The bank has established a special service green channel to address the needs of elderly clients, exemplified by a case where staff provided home service to a 90-year-old client who was unable to visit the bank [1] - Staff engaged with the elderly client in a warm manner, explaining the bank's history and the advantages of deposit products for managing retirement wealth, while also educating them about common risks such as telecom fraud and pension scams [1][3] Group 2: Ongoing Initiatives - Xiamen International Bank Quanzhou Branch has developed a regular elderly financial education and service system, conducting series of lectures focused on dismantling pension fraud tactics and enhancing financial safety awareness among the elderly [3] - The bank collaborates with community service stations to provide tailored account management and product consultation services for elderly clients with mobility issues, and conducts educational sessions in village committees to raise awareness about common fraud methods [3] Group 3: Future Commitment - The bank aims to continue enhancing the quality of elderly financial services by building emotional connections with the elderly community and actively fulfilling its social responsibilities in the elderly financial sector [4]

Core Insights - The performance assessment period for bank employees is intensifying, with a focus on meeting various financial targets amid declining deposit rates and increasing competition in loan services [1][2] - Banks are adopting more refined performance evaluation metrics, emphasizing daily deposit increments, support for small and micro enterprises, and the collection of non-performing loans [2][3] - The focus on non-performing asset disposal is critical for banks, as recovered assets can positively impact profits [3] Performance Assessment - Bank employees are under pressure to meet performance targets, with many working overtime and making numerous calls to clients to secure deposits and loans [2] - The assessment criteria have shifted to prioritize inclusive finance, linking performance and bonuses directly to the support of small and micro enterprises [2] - There is an increased emphasis on payroll services, which can enhance liquidity and support other banking products [3] Credit Growth and Stability - As of the end of May, the total RMB loan balance was 266.32 trillion yuan, reflecting a year-on-year growth of 7.1%, with a stable increase in credit supporting the real economy [4] - Over 90% of new loans this year have been directed towards enterprises, with significant growth in medium and long-term loans [4][5] - Banks are focusing on balanced and stable credit growth, adapting to project-based lending to meet the specific needs of enterprises [5] Regulatory Compliance - There are concerns about the resurgence of unethical practices in deposit acquisition, such as offering higher interest rates through unofficial means [6] - Regulatory bodies are monitoring and addressing these practices to maintain a stable banking environment, emphasizing compliance in marketing behaviors [6]

Core Viewpoint - The recent promotional strategy by a bank offering LABUBU blind boxes for a fixed deposit of 50,000 yuan has gained significant attention, highlighting the challenges banks face in attracting deposits amid regulatory scrutiny and declining interest rates [1][2]. Group 1: Regulatory Environment - The banking sector is under strict regulations that prohibit unconventional methods of attracting deposits, such as cash returns or gifts, as outlined in the 2018 notice regarding deposit management [1]. - Regulatory bodies have reiterated the ban on interest rate manipulation and have emphasized the need for banks to optimize their deposit structures to avoid last-minute deposit inflations [1][2]. Group 2: Market Response and Trends - The LABUBU promotion, despite its popularity, will not be replicated in other regions, indicating a cautious approach by banks in response to regulatory pressures [2]. - There is a noticeable trend of price-sensitive depositors shifting their funds to higher-yielding asset management products, driven by a declining net interest margin, which was reported at 1.43% at the end of Q1 [2]. Group 3: Strategic Considerations for Banks - Banks are encouraged to focus on customer perception by creating segmented interest-bearing deposit products and enhancing customer engagement through tailored app interfaces [2]. - A shift in deposit assessment metrics is suggested, moving away from sheer deposit volume towards evaluating overall asset management scale, customer retention, and engagement [2][3].

Core Viewpoint - Recent regulatory measures have been implemented to curb "fancy" deposit solicitation practices by banks, with a clear timeline for the exit of related non-compliant activities by the end of 2025 [1][3][4] Summary by Relevant Sections Regulatory Measures - Local regulatory authorities have introduced multiple prohibitive regulations aimed at various deposit solicitation methods, including manual interest supplementation and the issuance of interest coupons [3][4] - The regulations also prohibit banks from offering physical gifts or collaborating with internet platforms to provide membership benefits as a means of attracting deposits [4][6] Impact on Banks - The decline in deposit interest rates has increased the pressure on banks to attract deposits, leading to the emergence of various unconventional solicitation methods [3][5] - Smaller banks, in particular, are more likely to resort to "fancy" solicitation practices due to their weaker brand influence and network coverage compared to larger banks [5][6] Compliance and Management - The regulatory framework emphasizes the need for banks to enhance compliance management regarding deposit solicitation activities, with immediate cessation of non-compliant products and a structured exit plan for existing ones by 2025 [6][7] - Experts suggest that banks should shift focus from high-cost solicitation methods to improving service quality and product innovation to attract depositors sustainably [7][8]

Core Viewpoint - A new round of LPR and deposit rate cuts has been implemented, leading to a widespread reduction in deposit rates across various banks, with many rates now in the "1" range, indicating a significant shift in the banking landscape [1][2][6]. Group 1: Deposit Rate Changes - Major state-owned banks and several joint-stock banks have updated their RMB deposit rates, with rates for different terms now aligning closely with those of state-owned banks [2][10]. - City commercial banks and rural commercial banks have shown significant variation in deposit rates, with some banks reducing their 5-year deposit rates to as low as 1.20%, creating instances of rate inversion [1][6]. - Several banks, including Shanghai Bank and Beijing Bank, have announced new deposit rates that are consistent with state-owned banks, with rates for various terms ranging from 0.70% to 1.35% [2][10]. Group 2: Rate Inversion Phenomenon - Instances of rate inversion have been observed, where shorter-term deposit rates exceed longer-term rates, particularly in rural and village banks [6][12]. - For example, Guangdong Chenghai Rural Commercial Bank has a 5-year deposit rate lower than its 3-year rate, highlighting the trend of rate inversion [6][10]. - Analysts suggest that the current environment of declining deposit rates may lead to further adjustments, as banks respond to market conditions and their own funding structures [12]. Group 3: High-Interest Deposit Products - Despite the general trend of declining rates, some banks continue to offer higher interest rates, with certain village banks maintaining rates above 2% for longer-term deposits [11][12]. - For instance, Huizhou Huimin Village Bank offers a 5-year deposit rate of 3%, indicating that competitive high-interest products still exist in the market [11][12]. - Additionally, some private banks have retained rates above 2%, demonstrating a continued strategy of attracting deposits through higher interest offerings [11][12].

Core Viewpoint - The article discusses the recent trend of deposit rate cuts among private banks in China, highlighting the challenges and opportunities they face in a low-interest-rate environment [1][2]. Summary by Sections Deposit Rate Cuts - Since May, several private banks have reduced their deposit rates, with many long-term deposit rates now below 1.5% [1]. - The average long-term deposit rate for most private banks is now at or below 2.5%, creating a significant gap of around 100 basis points compared to state-owned banks [2]. Net Interest Margin - Private banks have historically relied on higher interest rates to attract deposits, but the recent rate cuts are aimed at reducing funding costs and stabilizing net interest margins [2]. - As of Q1 2025, the average net interest margin for private banks was 3.95%, down 16 basis points from the previous year, while the average for commercial banks was only 1.43% [2]. Industry Polarization - The development of private banks shows a clear "80/20 effect," where a few leading banks dominate in scale and profitability, while many smaller banks face operational and capital pressures [3]. - By the end of 2024, the total assets of 19 private banks reached approximately 2.15 trillion yuan, with a growth rate of about 9.5%, which is slower than in previous years [3]. Financial Performance - Some leading private banks, like WeBank and MYbank, have seen their combined assets exceed 1.12 trillion yuan, while others have experienced asset shrinkage [3]. - In 2024, 9 out of 19 private banks reported a decline in net profit, with the average non-performing loan ratio rising to 1.76% by March 2025, higher than the average for commercial banks [3]. Capital Adequacy - Private banks have the lowest average capital adequacy ratio in the banking sector at 11.98%, compared to 15.28% for commercial banks [5]. - There are calls for more measures to support private banks in capital replenishment to enhance their service capabilities for private enterprises [5]. Innovation and Market Adaptation - Private banks are encouraged to leverage digital capabilities for risk management and business innovation, focusing on niche markets and personalized services rather than competing directly with larger banks [6]. - The emphasis is on enhancing digital capabilities and supporting regional strategic initiatives to better meet market demands [6].

Financial Data and Key Metrics Changes - The company reported a net income of $15.6 million or $0.74 per diluted share for Q1 2025, compared to $16 million or $0.76 per diluted share in the prior year period, indicating a slight decrease in earnings [4] - Overall loans increased by 3.4% annualized, while core deposits rose by 0.8% annualized [4] - Tangible book value per share grew by 13.2% compared to the prior year quarter [5] Business Line Data and Key Metrics Changes - Total loans grew by $34 million, with commercial loan generation strong at $54.8 million, representing an 11% annualized rate [8][9] - The residential mortgage portfolio saw a slight decline of $3.9 million, while the installment loan portfolio decreased by $17 million [9] - Nonperforming loans were $7.1 million or 17 basis points of total loans, up slightly from 15 basis points at year-end 2024 [11] Market Data and Key Metrics Changes - Total deposits as of March 31, 2025, were $4.63 billion, with retail deposits increasing by $34.2 million and business deposits declining by $44 million [6] - The total cost of funds decreased by 12 basis points to 1.8% [7] Company Strategy and Development Direction - The company aims to be Michigan's most people-focused bank, continuing to invest in its team and technology while supporting communities [3][22] - The management is optimistic about the long-term future of the franchise despite current market uncertainties [5] Management Comments on Operating Environment and Future Outlook - Management noted that while there is cautiousness among business owners regarding expansion, they are maintaining close contact with clients to monitor their situations [5][36] - The company is prepared for various economic scenarios, including potential Fed rate cuts, and believes it can maintain consistent earnings [29][30] Other Important Information - Non-interest income totaled $10.4 million in Q1 2025, down from $12.6 million in the year-ago quarter [17] - Non-interest expense was $34.3 million, slightly lower than the forecasted range [21] Q&A Session Summary Question: Potential for Outperformance in Guidance - Management indicated that there may be opportunities to outperform guidance, particularly in provisions, depending on deposit trends and potential rate cuts [28][29] Question: Client Conversations Amid Uncertainty - Management reported that while there is uncertainty, they are not seeing immediate impacts on credit quality, although they are monitoring the automotive sector closely [35][39] Question: Stock Buybacks - Management confirmed that share repurchases are part of their capital management strategy, and they will continue to evaluate market conditions for potential buybacks [45][46] Question: Loan Growth Outlook - Management expressed that uncertainties have made borrowers cautious, but there could be pent-up demand if economic conditions stabilize [50][51] Question: Capital Management and M&A Considerations - Management stated they are open to M&A opportunities, emphasizing their strong community bank franchise and recent technology investments [52][54]

以下文章来源于中国经营报 ，作者郝亚娟 王柯瑾 中国经营报 . 《中国经营报》由《中国经营报》社有限公司出版，与中国企业同步成长，对话商业领袖，传播商业理想，服务商业人群，掌控中国商界绝对话语权。 来源｜中国经营报 作者｜ 郝亚娟 王柯瑾 "存得越久利息越少"的现象，正成为银行业的"新常态"。 招商银行APP显示，某存款产品1年期利率为1.60%，而存5年显示的利率为1.55%。 这意味着，存1年反而比存5年更加划算。 一般来讲，定期存款的期限越长，利率越高。但从2022年开始，存款利率"倒挂"的现象开始出现。融360数字科技研究院此前发布的数据显 示，随着降息组合拳打出，存款降息空间打开，且降幅相对较大。 平均来看，3年期存款利率高于5年期。 招联首席研究员、上海金融与发展实验室副主任董希淼分析，我国市场无风险利率下行是长期趋势。从国外看，部分国家和地区还出现了存 款"负利率"现象。对居民而言，如果资产配置中的中长期存款、现金管理类理财产品较多，那么收益水平可能有所下降，建议平衡好风险与收 5年期利率比1年期利率低 近日，《中国经营报》记者登录招商银行APP发现，该行一款名为"灵动存"的存款产品1年期、2年 ...

"从今天开始（2月26日），我行将两年期存款产品利率下调到了2.20%，昨天还是2.4%。"2 月26日，北京中关村银行一位客户经理告诉记者，"目前我行两年期存款利率水平最高。三 年期存款产品在今年2月15日已经下架了，五年期也下架很久了。" 在邮储银行研究员娄飞鹏看来，一直以来，民营银行存款利率水平较高，增加了其负债成 本。在银行业净息差下降的情况下，民营银行通过下调存款利率，降低负债成本，应对净息 差下行压力。 薛洪言进一步补充说道，"从深层逻辑看，当前优质贷款资产愈发稀缺，银行普遍下调存款 利率，既是适应利率市场化改革的主动调整，也是缓解资产端压力的被动选择。" 2月14日，安徽新安银行发布公告称，该行将于2月21日对手机银行、小程序、公众号在售 的储蓄存款产品利率进行调整。调整后，该行一年期、二年期、三年期定期存款利率分别为 2.15%、2.80%、2.80%。 记者注意到，这是新安银行年内对存款利率进行的第二次调整。1月7日，该行曾发布公告 称，于1月9日调整该行在售整存整取三年期定期存款利率至2.90%。 今年2月，湖南三湘银行也对部分期限存款产品利率进行了调整。三湘银行客服人员告诉记 者，2月1 ...