平安银行某存款产品3年期 利率4月8日起下调40 BP。记者从平安银行理财经理处获悉，该产品3年期存 款利率由2.05%降至1.65%。银行出手调降存款利率，平安银行并非个例。记者注意到，随着"开门 红"活动落下帷幕，4月以来，多地中小银行也对存款利率进行了不同幅度的调整。整体来看，不同期限 存款利率调整幅度在10BP至80BP，中长期限的降幅更大。 (每日经济新闻) ...

Core Viewpoint - A wave of deposit interest rate cuts has emerged, with several small and medium-sized banks announcing reductions in fixed deposit rates, reflecting the pressure on net interest margins in the banking sector [1] Group 1: Interest Rate Adjustments - Starting from April 8, Ping An Bank reduced the interest rate on a three-year deposit product from 2.05% to 1.65%, a decrease of 40 basis points [1] - Various small and medium-sized banks have adjusted their deposit rates in early April, with reductions ranging from 10 basis points to 80 basis points, indicating a more significant decline in longer-term deposit rates [1] Group 2: Factors Influencing Rate Cuts - The adjustments in deposit rates are influenced by multiple factors, including low market interest rates, expectations of policy interest rate changes, and the need for banks to control funding costs [1] - Analysts suggest that there remains room for further reductions in deposit rates due to these ongoing pressures in the banking sector [1]