【导读】部分中小银行3个月大额存单利率跌破1% 2026年开年，存款市场再迎新变化。中国基金报记者发现，以"高息揽储"著称的中小银行已率先开启"降息"步伐，并有部分银行的3个月大额存单利率进 入"0字头"。 业内人士认为，下调高息存款利率是银行应对净息差收窄、维持稳健经营的必然选择。"存钱躺赚"的时代即将成为过去式，个人投资者需要改变理财思 维，通过多元资产配置，从"追求绝对高息"转向"构建收益风险比最优的组合"。 还有多家农商行的3个月存单利率仅略高于1%。例如，"巢湖农村商业银行对私大额存单3个月-2026年第0001期"起存金额为20万元，利率为1.1%。"衡南 农商银行个人大额存单2026年1期3M"起存金额为20万元，利率为1.1%。"弥勒农村商业银行2026年第3期个人大额存单3M"起存金额20万元，利率为 1.05%。 此外，淮北农村商业银行针对机构发行的"淮北农商银行3个月期限单位大额存单2026年第1期"，起存金额为1000万元，利率也仅为1%。 多重因素导致利率下调，"存钱躺赚"时代将结束 部分农商行3个月大额存单利率跌破1% 开年以来，多家中小银行相继下调了存款利率。例如，安徽新安银行宣 ...

Core Insights - The banking sector is intensifying efforts to attract deposits as year-end approaches, utilizing strategies such as gift offerings, limited-time rate increases, and promotional campaigns to draw in new customers [1][5] Group 1: Deposit Strategies - Several city commercial banks and rural commercial banks are increasing deposit rates by up to 30 basis points to attract new customers [1] - Banks are implementing promotional activities targeting new customers, with some offering limited-time deposit products that require participation in asset enhancement activities to qualify for purchase [3][4] - Jiangsu Bank has raised rates on certain deposit products, with a 3-year term deposit now offering an annualized rate of 1.9%, up 15 basis points from standard rates [3] Group 2: Marketing and Promotions - Marketing activities are seen as a crucial part of the "opening red" strategy, with banks focusing on new customer acquisition through targeted promotions [5] - Some banks are offering gifts for deposits, such as small household items for deposits below 250,000 yuan, and larger gifts for higher amounts [4] Group 3: "Deposit Rush" Phenomenon - There is a rise in "deposit rush" activities, where intermediaries are facilitating deposit inflows for bank employees under pressure to meet performance targets [8][9] - The cost for utilizing these intermediary services can range from 0.0010% to 0.0016% daily, depending on the amount of funds involved [8] - The phenomenon is attributed to high performance targets set by banks, leading to reliance on external assistance to meet deposit goals [8]