| BHE STATE | | | | | --- | --- | --- | --- | | 存 整 取 | | | | | 期限 | 金额 | 年利率(%) | 10万到期收益 | | 一年 | | 1.3 | 1300元 | | 二生 | 3万元 (含) 及以上 | 1.4 | 2800元 | | 三年 | | 1.75 | 5250元 | | 大额存单 | | | | | 期限 | 金额 | 年利率(%) | 20万到期收益 | | 一年 | 20万元(含) | 1.4 | 2800元 | | 三年 | 及以上 | 1.8 | 10800元 | | | | | 备注:先到先得 发完即止 | "即日起至2026年3月31日，到商南农商银行营业网点办理定期储蓄存款，可享受存款利率上浮优惠。"1 月5日，陕西商南农商银行发布的通告显示，该行对三个月、六个月、一年期、二年期存款利率进行了 阶段性调整，上调幅度在15个基点左右。 1月28日起，北票盛都村镇银行对多个期限的定期存款进行了调整，调整后，该行一年期、二年期、三 年期以及五年期的存款年利率分别为1.65%、1.70%、1.70%、1.65%，较此前均提 ...

Core Viewpoint - The banking industry is experiencing a "New Year" surge in early 2026, with small and medium-sized banks raising deposit rates despite regulatory pressures and narrowing interest margins [1][3]. Group 1: Deposit Rate Adjustments - In January, several small and medium-sized banks in regions like Shanxi, Henan, and Shaanxi have announced increases in deposit rates, with typical upward adjustments around 20 basis points (BP) [2][3]. - Specific banks, such as Shanxi Qingshui Rural Commercial Bank, have raised their deposit rates for various terms, with 1-year, 2-year, and 3-year rates reaching 1.45%, 1.50%, and 1.75% respectively [2]. - Compared to previous years, the current increases in deposit rates are less pronounced, with fewer institutions participating in the adjustments [2]. Group 2: Regulatory Environment and Market Dynamics - Regulatory authorities are promoting a market-oriented deposit rate mechanism, which has constrained banks' pricing power and reduced their motivation to raise deposit rates [3]. - The continuous narrowing of net interest margins is limiting banks' profit margins, further impacting their ability to engage in price competition [3]. Group 3: Service Enhancement Initiatives - Local banks are focusing on improving service quality, emphasizing their commitment to local communities and enhancing personalized marketing strategies [3]. - Recommendations for local banks include optimizing liability structures and developing combined deposit products to increase customer retention [3]. Group 4: Overall Market Outlook - The overall outlook for the "New Year" in January is optimistic, with many local banks reporting significant growth in their deposit and loan businesses [4][5]. - The People's Bank of China reported a total social financing increase of 35.6 trillion yuan for 2025, indicating a robust financial environment [4]. - Analysts expect that the liquidity in the market will increase, with banks experiencing a strong demand for deposits due to seasonal and structural imbalances [5].