多地农商行开年"逆势加息"，部分3年期存款产品的年化利率上浮至1.75%，业内：实为短期营销，具有高门槛、限时性特征 每经记者｜刘嘉魁 每经编辑｜黄博文 2026年开年，在国有大行持续下架长期限存款产品、存款利率整体步入"1%时代"的背景下，一场由众多农村商业银行发起的"逆势加息"行动，正从广 西、贵州、陕西等多地悄然蔓延。部分农商行将1年至3年期特色存款的年化利率推高，但多数附加"20万元起存""限量发售""节后截止"等严格限制。 然而，这并非利率周期的反转信号。国家金融监督管理总局数据显示，截至2025年第三季度末，商业银行净息差已收窄至1.42%的历史低位。 一位资深银行业研究人士向《每日经济新闻》记者指出，这场看似矛盾的"加息潮"，实际是中小银行在行业性盈利困境与个体生存压力之间的精准计算： 它们以"高利率+高门槛+短期限"的组合策略，在年初"开门红"的关键窗口，发起了一场针对大额短期资金的"精准狙击"。在他看来，这揭示了不同体量银 行在负债端日益白热化的竞争，以及其截然不同的生存策略。 利率"双轨"运行：高门槛特色存款背后的揽储逻辑 2026年开年，存款市场的"温度差"极为显著。一方面，大型银行继续 ...

Core Viewpoint - Recently, major banks such as Industrial and Commercial Bank of China, China Construction Bank, and China Merchants Bank have experienced a phenomenon where short-term deposit rates exceed long-term deposit rates, indicating a shift in the banking landscape [1][2]. Group 1: Reasons for Rate Inversion - The inversion of deposit rates among large and medium-sized banks is attributed to several factors, including banks' expectations of continued interest rate declines, short-term liquidity pressures, and intensified competition in the short-term deposit market [1][8]. - Banks are proactively reducing the absorption of higher-yielding medium- and long-term deposits, leading to lower rates for these products [8]. - The phenomenon of deposit rate inversion was previously more common among small and medium-sized banks, but it is now observed in larger institutions as well [6][8]. Group 2: Specific Rate Examples - Industrial and Commercial Bank of China offers a maximum annual interest rate of 1.85% for a 3-year fixed deposit, while the 5-year fixed deposit rate is only 1.55% [3]. - China Construction Bank shows a similar trend, with a maximum annual interest rate of 1.90% for a 3-year fixed deposit compared to 1.55% for a 5-year fixed deposit [4]. - China Merchants Bank has a 1-year deposit rate of 1.60%, which is higher than the 3-year and 5-year rates of 1.50% and 1.55%, respectively [5].