Recently, the reporter visited and called a number of banks and learned that at present, some deposit products of small and medium-sized banks are welcomed by consumers. Especially during the "good start" period, many banks attracted depositors by raising points and offering more attractive product interest rates.
However, a number of local small and medium-sized banks also revealed to reporters that their banksA new wave of interest rate cuts is imminent。At the same time, the trend of lower interest rates will continue, whether it is the popular large certificates of deposit or specialty deposits.
Large-denomination certificates of deposit still need to be grabbed
Our large-denomination certificate of deposit product is available every Tuesday at 10 a.m., and the interest rate on a 3-year fixed deposit can reach 345%, the quota is limited, and you have to rely on grabbing. The account manager of a city commercial bank in Shenzhen told reporters, "But it is about to usher in a wave of reductions, and if it is saved after the Spring Festival, it is expected that the reduction can be more than 20 basis points, but it is still relatively high in the industry." ”
Interest rate of personal large-amount certificates of deposit of a city commercial bank in Shenzhen **Provided by the interviewee.
The reporter learned from many places that at present, the interest rate of large and medium-sized banks' three-year large-amount certificates of deposit has basically entered the "2" era. The interest rate of some small and medium-sized regional banks on three-year certificates of deposit can exceed 3%. On the whole, the overall interest rates of all kinds of banks have dropped significantly compared with the same period last year, but consumers' enthusiasm for subscription has not diminished, and the state of "limited quota and still need to be grabbed" is still widespread.
A few days ago, my wealth manager helped me make an appointment for a large certificate of deposit, although the interest rate has dropped a lot this year, only 28% up, but still want to save. The bank also gave me rice and oil, and I also participated in the ** event and drew some small gifts. A Hubei depositor said.
Not long ago, a three-year period with an interest rate of 42% of the large-denomination certificates of deposit expired, and the money was taken out and the three-year large-denomination certificates of deposit were deposited decisively, 32% interest rate. Although the interest rate has dropped, at least you can keep your money and reap stable happiness. An Anhui depositor said.
Featured deposits are low-key and popular
In the investigation, the reporter found that for customers with a minimum deposit threshold of less than 200,000 yuan, many banks have launched special time deposits. Interest rates can rise by dozens of basis points from the benchmark, with varying degrees depending on the maturity.
Featured deposit is an innovative deposit product launched by banks according to their own business needs and customer needs. Compared with ordinary time deposits, special deposits have a specific minimum deposit amount, interest rate, tenor, interest calculation rules and additional conditions. Generally speaking, the interest rate of special deposits will be higher compared to ordinary deposits.
For example, the interest rates of 1-year, 2-year, 3-year, and 5-year characteristic time deposits of a city commercial bank in Sichuan can be reached respectively. 80%；The interest rates of 1-year, 2-year and 3-year characteristic time deposits of a city commercial bank in Guangdong are respectively. 35%。Compared with ordinary deposits with corresponding maturities, the interest rate of special deposits is higher.
Characteristic time deposit interest rate of a city commercial bank in Sichuan **Interviewee provided by industry insiders said that the interest rate of characteristic deposit products has risen compared with ordinary time deposits, and the minimum deposit amount is more affordable to the people than larger certificates of deposit, which is more attractive to depositors.
In addition, although some banks have not explicitly marked special deposits, they have also launched "good start" exclusive products, and the interest rate is significantly higher than the market interest rate. According to the financial manager of a city commercial bank in North China, the interest rates of 1-year, 2-year and 3-year term products of "good start" in 2024 will be respectively. 2%, "such an interest rate level is still quite difficult to find in the market." She said.
Industry analysts believe that now is the "good start" period, the bank savings war is low-key, and small and medium-sized banks are the main force, the deposit card still has to play, either through the special products to increase the point, contrarian interest rate hike, or cash back subsidies, give multiple gifts.
Some experts reminded that under the current situation of continuous pressure on net interest margin, some special deposit products have problems such as disguised interest rate increases to a certain extent, which has increased the difficulty of bank net interest margin management.
However, many banks are also trying to find a balance between collecting savings and easing the pressure on net interest margins. The reporter learned from a number of local small and medium-sized banks that a new wave of interest rate cuts, including large-amount certificates of deposit and special deposits, is about to land, and the magnitude and time rhythm of the adjustment are different, and the new interest rate policies of some banks will be implemented before the Spring Festival.
Reviewer: Ye Siqi Editor: Zhang Jing Producer: Li Ruoyu Signed: Peng Yong