中国商报（记者 王彤旭）随着美联储在9月、10月接连两次降息，银行业对美元定期存款利率的调整已悄然拉开帷幕。 美元定存收益率下调 北京时间10月30日，美联储宣布再次降息25个基点，将联邦基金利率目标区间下调至3.75%至4.00%。 11月6日，中国商报记者在"西安银行财富中心"微信公众号上看到，9月27日至11月7日，该行美元存款利率调整为：1月期、3月期、6月期、1年期、2年期利 率分别降至3.2%、3.6%、3.98%、3.98%、3.6%，全部迈入"3字头"。 而在9月13日至9月19日，该行2000美元起存的"美元金信存"产品，1月期、3月期、6月期、1年期、2年期利率分别为3.6%、4.1%、4.3%、4.3%、3.8%，5档 美元定期存款产品中有3档利率超4%。 "之后不能确保不调降，我们也是等待总行的通知，如接到调降通知就立刻跟进，但能确定的是今天（11月6日）没有接到调降的通知，美元定存利率1年 期、2年期依然都在3.98%。"西安银行客服人员对记者表示。 南京银行网站发布的最新一期"鑫汇添"产品利率表显示，该行将部分美元存款产品定价进行了下调：该行5万美元起存，6月期、1年期产品利率分别 ...

Core Viewpoint - The recent decline in USD deposit rates across various banks is a direct response to the Federal Reserve's interest rate cuts, indicating a broader trend towards lower rates in the future [1][4][9]. Summary by Sections USD Deposit Rate Adjustments - Many banks have begun to lower their USD deposit rates, with several products transitioning from the "4" range to the "3" range this year [3][4]. - For instance, Xi'an Bank has adjusted its USD deposit rates, with the 3-month rate dropping by 0.5% to fall within the 3% range [1][4]. Impact of Federal Reserve's Actions - The Federal Reserve's recent 25 basis point rate cut has prompted banks to reduce deposit rates to lower their funding costs [5][6]. - As a result, short-term deposit rates have seen significant reductions, with rates for 1-month and 3-month deposits decreasing by 0.4% and 0.5%, respectively [5]. Future Rate Expectations - Analysts predict that USD deposit rates may continue to decline, potentially reaching the "2" range in the near future, with expectations of further rate cuts from the Federal Reserve [8][10]. - The consensus is that the 3% rate may become a temporary high point, with future adjustments likely bringing rates down to the 2.5%-2.8% range [9][10]. Market Reactions and Investor Behavior - Despite the declining rates, some investors still prefer USD deposits, viewing them as more favorable compared to RMB deposits [11]. - Experts advise caution for inexperienced investors, emphasizing the need to assess both interest and exchange rate risks when considering USD deposits [11].

Core Viewpoint - The recent adjustments in USD deposit rates by banks are a direct response to the Federal Reserve's interest rate cuts, indicating a downward trend in USD deposit rates across the market [2][4][9]. Group 1: USD Deposit Rate Adjustments - Many banks have begun to lower their USD deposit rates, with several products transitioning from the "4" range to the "3" range this year [3][4]. - For instance, Xi'an Bank has reduced its USD deposit rates across various terms, with the 1-month and 3-month rates dropping by 0.4% and 0.5% respectively [5][4]. - Nanjing Bank has also adjusted its rates for its "Xin Hui Tian" product, with rates for 3-month, 6-month, and 1-year deposits decreasing from 3.5%, 3.7%, and 3.8% to 3.3%, 3.4%, and 3.55% [6][4]. Group 2: Future Rate Expectations - Analysts predict that USD deposit rates may continue to decline, potentially entering the "2" range, with expectations of rates settling between 2.5% and 2.8% in the near future [8][10]. - Goldman Sachs Asset Management anticipates further rate cuts by the Federal Reserve in October and December, which could influence domestic USD deposit rates downward [9][10]. - The overall sentiment in the industry suggests that the current 3% rate may be a temporary high point, with a strong likelihood of further reductions [9][10]. Group 3: Market Reactions and Investor Behavior - Despite the declining rates, some investors still prefer USD deposits, viewing them as more favorable compared to regular RMB deposits [11]. - Experts advise caution for inexperienced investors, emphasizing the need to assess both yield and currency risk when considering USD deposits [11][12]. - The market is seeing a shift where banks are adjusting their strategies based on the changing interest rate environment, with some banks maintaining higher rates to attract deposits while others lower rates to manage costs [7][12].

Group 1 - The Federal Reserve announced a 25 basis point cut in the federal funds rate target range to 4.00% to 4.25%, marking the first rate cut of the year [1] - Following the Fed's rate cut, several banks in China have adjusted their personal USD time deposit rates, with many currently maintaining rates in the "3% range" for one-year deposits [1] - Nanjing Bank's new USD deposit rates effective from September 13 show a decrease, with one-year rates dropping from 4% to 3.0% for a minimum deposit of $100,000 [1] Group 2 - According to a chief economist at CITIC Securities, the likelihood of further declines in USD deposit rates is high due to the Fed's recent rate cut and potential future cuts [2] - The downward adjustment of USD deposit rates may lead to reduced interest income for depositors, prompting them to seek higher-yielding assets such as bonds or stocks [2] - Investors are advised to diversify their asset allocation in USD investments and closely monitor Fed policy changes and exchange rate fluctuations [2]

Group 1 - The Federal Reserve announced a 25 basis point cut in the federal funds rate target range to between 4.00% and 4.25%, marking its first rate cut of the year [1] - Domestic banks typically adjust their USD deposit rates in response to changes in the US benchmark interest rates, but the adjustments may not always be synchronous or uniform [1][3] - As of September 18, several banks are offering 1-year USD fixed deposit rates in the "3% range," with specific rates provided by various banks [2] Group 2 - The chief economist at CITIC Securities indicated a high probability of further declines in USD deposit rates due to the Fed's recent rate cut and potential future cuts [3] - The downward adjustment of USD deposit rates may lead to reduced interest income for depositors, prompting them to seek higher-yielding assets such as bonds or stocks [3] - Investors are advised to diversify their asset allocation in USD investments and closely monitor Fed policy changes and exchange rate fluctuations [3]