2025.08.21 本文字数：1902，阅读时长大约3分钟 8月19日，吉林龙潭华益村镇银行发布公告，该行自8月20日起调整存款挂牌利率，其中，整存整取三个 月、六个月、一年期、二年期存款利率均下调0.1个百分点至1.15%、1.35%、1.60%、1.65%；整存整取 中小银行存款利率一降再降 5月20日，新一轮LPR（贷款市场报价利率）与存款利率调降落地，国有六大行和部分股份行同日下调 人民币存款挂牌利率。随后，其他股份行、民营银行、外资银行以及城商行、农商行、村镇银行等中小 银行纷纷跟进下调存款利率，银行存款利率全面步入"1字头"。 不过，上述银行的下调动作主要集中在5~6月之间，以5月份为例，据第一财经不完全统计，在19家民 营银行中，有15家完成降息动作，单月调降频次多达22次，与过去"小步快跑"的微调不同，民营银行在 5月底集体亮出"狠招"，多家银行"断崖式"降息。 调降之后，民营银行三个月、六个月、一年期整存整取利率全面步入"1时代"；二年期、三年期、五年 期存款利率普遍在2%以内，最高2.4%。其中，多家银行五年期存款下架。过去往往"慢半拍"的中小银 行在此轮降息中却一反常态，紧跟大行的步伐 ...

Group 1 - The six major banks collectively announced a reduction in deposit rates, with cuts ranging from 5 basis points (BP) to 25 BP, while the People's Bank of China (PBOC) lowered the Loan Prime Rate (LPR) by 10 BP for both one-year and five-year terms [1][2] - The reduction in deposit rates is the largest in recent years, with the one-year deposit rate falling below 1% for the first time, potentially leading to a shift of deposits towards non-bank financial institutions [1][6] - According to CICC's static calculations, the impact of the LPR and deposit rate cuts on banks' net interest margin (NIM), revenue, and profit is an increase of 7 BP, 3 BP, and 6 BP respectively, indicating a generally positive effect on banks [2][3] Group 2 - The adjusted interest rates for fixed-term deposits are now 0.95% for one year, 1.05% for two years, 1.25% for three years, and 1.3% for five years, with significant reductions in the longer-term rates [2] - The average reduction in deposit rates is approximately 16 BP, which is greater than the LPR cut, reflecting a protective measure for banks' interest margins [2][3] - The ongoing low interest rate environment is expected to alleviate debt burdens for enterprises and households, stimulate economic activity, and stabilize banks' asset quality, despite causing a significant impact on listed banks' operating income [2][4] Group 3 - The net interest margin for listed banks is projected to decline by 2.20% year-on-year in 2024, marking the second consecutive year of decline, with the average NIM expected to be 1.52% [4][5] - The first quarter of 2025 saw a further decrease in the net interest margin to 1.43%, which is significantly below the 1.8% warning level [4][5] - The trend of funds flowing from banks to non-bank financial institutions is exacerbated by the reduction in deposit rates, with a notable increase in bank liabilities to other financial companies [6]