Core Viewpoint - Some banks are temporarily raising deposit interest rates as the year-end approaches, but this does not change the overall downward trend in commercial bank deposit rates [1][6]. Group 1: Recent Changes in Deposit Rates - A city commercial bank in Beijing has raised its 3-year fixed deposit rate to 1.9% for limited amounts [1]. - Another city commercial bank in the eastern region offers a 3-year fixed deposit rate of 1.8% for deposits starting from 200,000 yuan, reflecting recent rate increases [2]. - Despite some banks raising rates, many smaller banks continue to lower their deposit rates, with a village bank in Henan reducing its 3-year fixed deposit rate from 1.75% to 1.65% [2][6]. Group 2: Rate Variability and Conditions - The interest rates for 3-year fixed deposits vary based on deposit amounts, with rates of 1.75% for deposits starting at 50,000 yuan and higher rates for larger deposits [3][4]. - The 1.9% rate is available for new customers who have not previously opened an account, indicating promotional activities at year-end [4]. Group 3: Trends in Deposit Products - There is a noticeable trend of banks reducing the scale of longer-term deposit products, with many banks canceling the sale of 5-year personal large-denomination certificates of deposit [7]. - The average net interest margin for commercial banks at the end of Q3 was 1.42%, with smaller banks generally offering higher deposit rates compared to large state-owned banks [8].