Group 1 - Major Chinese banks, including ICBC, ABC, BOC, CCB, BOCOM, and CMB, collectively lowered deposit rates across various products on the 20th [1] - The rates for fixed-term deposits were reduced by 15 basis points for 3-month, 6-month, 1-year, and 2-year terms, now at 0.65%, 0.85%, 0.95%, and 1.05% respectively; 3-year and 5-year terms were lowered by 25 basis points to 1.25% and 1.30% [1][4] - The 7-day notice deposit rate was also reduced by 15 basis points [1] Group 2 - This marks the first round of deposit rate cuts by banks this year, with a calculation indicating that interest for a 100,000 yuan deposit for one year will decrease by 150 yuan, and for a 200,000 yuan deposit over three years, it will decrease by 1,500 yuan [4] - Concurrently, the Loan Prime Rate (LPR) saw its first decline of the year, with the 1-year LPR at 3.0% and the 5-year LPR at 3.5%, both down by 10 basis points from the previous month [4] - For a 1 million yuan loan over 30 years, the LPR decrease results in a monthly payment reduction of approximately 54 yuan and a total repayment reduction of about 20,000 yuan [4] Group 3 - Chief economist of China Minsheng Bank, Wen Bin, noted that the deposit rate cuts led by major state-owned and joint-stock banks create space for LPR adjustments, as the reduction in deposit rates exceeds that of LPR [5] - Wen Bin emphasized that ongoing external uncertainties and trade frictions are affecting market expectations and export growth, which may slow down credit expansion for foreign trade enterprises and related sectors [5] - The appropriate reduction in LPR is expected to guide loan rates downward, stimulating effective financing demand and stabilizing credit levels to support economic recovery [5]

本文字数：1424，阅读时长大约3分钟 2025.05. 20 作者 | 第一财经 亓宁 存最高仅为1.3%，即按照挂牌利率不上浮，继续保持倒挂状态。 此次存款利率调整已在市场预期之内。此前央行行长潘功胜在5月7日国新办新闻发布会上宣布降准 降息，同时提到央行将通过利率自律机制引导商业银行相应下调存款利率。 20日出炉的新一期LPR（贷款市场报价利率）显示，5年期以上LPR为3.5%，上月为3.6%；1年期 LPR为3%，上月为3.1%，均下行10BP，与此前逆回购利率调整幅度一致。 中信证券首席经济学家明明认为，截至2025年一季度，一般贷款加权平均利率下行至3.75%的历史 低位，商业银行净息差也回落至1.43%的低点。"本轮LPR降息落地后贷款利率料将进一步下行；本 轮存款降息和LPR调降同步落地，是在利率自律机制影响下，商业银行主动稳定息差的举措。"明明 说。 从调整范围和幅度来看，此次大行活期存款利率降幅与去年10月调整时降幅一致，3年期以下定期存 款利率降幅较上次收窄10个基点，3年期及5年期品种利率降幅与上次一致，均为25BP。有行业人 士对第一财经表示，定期存款仍是压降负债成本的重要方向。以3 ...