RecentlyBanksSudden upward adjustmentDeposit interest ratesThe phenomenon has attracted widespread attention. AlthoughMarket interest ratesIt is already at an all-time low and is expected to continue to decline, but someBankschose to go against the general trend and raise the interest rate on deposits. Behind this "anomaly" is hiddenBanksconsiderations and strategies.
On the one hand, the end of the year is the time when the whole society needs the most funds. Businesses of all kinds are under pressure to pay salaries, bonuses and other expenses at this time, leading to an increased demand for capital. At the same time,BanksofCreditDisbursements will also increase in phases at the end of the year, as businesses often need to borrow to meet their business and operational needs. Together, these factors have led to:BanksLiquiditypressure increased in order to meet the funding needs during this periodBanksMeasures need to be taken to attract more deposits.
On the other hand, the opening event is:BanksA critical period for business development. A lotBanksA good start event will be held at the beginning of the year to attract more deposits. For some smallBanksThe opening event may account for a significant proportion of total deposits throughout the year. In the face of tight demand for deposits, theseBanksCarry out the opening activities in advance and improve accordinglyDeposit interest ratesto attract more deposits.
In this context,BanksRaising interest rates on deposits is a good opportunity for depositors. Especially for the smallBanksIn order to improve the storage capacity, they have adopted a range of 10 basis points to 50 basis pointsDeposit interest ratesUpward adjustment measures. This means that the depositor can get more for the same deposit amountInterest income。Therefore, it is a wise choice for those who have spare funds to take advantage of the good start event to make a deposit.
It is worth noting that once the opening event is over,BanksofDeposit interest ratesIt is likely to fall again. InLiquidityAbundant period,BanksIn order to maintain their ownSpreads, usually downwardDeposit interest rates。In fact, even at the moment someBanksUpward adjustmentDeposit interest ratesAt the same time, there are still some small onesBanksIn the downward adjustmentInterest rates。Therefore, depositors should seize the current opportunity and plan their funding arrangements reasonably.
Currently, the marketLiquidityLooser for the whole societyFinancingDemand is relatively slow. In addition, the property market has not performed well, resulting in a slowdown in residents' demand for loans. In contrast, residents have relatively large deposits. The amount of new deposits every year has reached more than a dozen trillion, which makes itBanksThe level of financial constraints has eased.
In this loosenessLiquidityin the background,BanksPay more attention to your own interest margin maintenance. Therefore, they are generally taken lowerDeposit interest ratesstrategies to increase their profitability. Over the past two years, manyBanksIt has gone through many roundsInterest ratesdownward adjustment, and further downward adjustments are still possible in the future. However, it should be noted that in someBanksThey have held good start activities and improvedInterest ratesAt the same time, there are still some smallBanksIn the downward adjustmentInterest rates。This also reflects the current wholeLiquidityRelatively affluent situation.
BanksUpward adjustmentDeposit interest ratesThe act is not accidental, but a temporary response. On the one hand,BanksThe challenge of increased funding requirements at the end of the year needed to meet regulatory requirements was met. On the other hand,BanksIncrease the size and market share of deposits by carrying out a good start campaign. This is a favorable time for depositors to get moreInterest income。However, with the marketLiquidityof further improvements,BanksDownward revisions are likely to continueInterest ratesDepositors should grasp this deposit opportunity in a timely manner. ForBanksto say that they need toSpreadswithLiquidityTrade-offs are made to develop a more rational and flexible deposit strategy.