近日，多家股份制银行下调了挂牌利率。继上周六大国有银行和招商银行之后，中信银行、平安银行、光大银行、浙商银行、广发银行、民生银行等多家股份制银行已调整了挂牌利率。其中，1年定期存款利率下调10个基点、2年定期存款利率下调20个基点、3年定期存款普遍下调25个基点。
此次下调存款利率，将对储户和银行产生哪些影响呢？
首先，对于储户而言，存款利率下调将导致其存款收益减少。以3年定期存款为例，下调25个基点意味着储户的存款收益将减少约0.0833%。这对于靠存款收益维持生计的储户来说，可能会带来一定的经济压力。
其次，对于银行而言，下调存款利率将促进其吸储能力。随着存款利率的下调，储户的存款意愿可能会提高，从而增加银行的客户储备。此外，下调存款利率也有利于银行吸引更多存款，以满足未来贷款需求。
总结起来，多家股份制银行下调存款利率，3年定期存款普遍下调25个基点，将对储户和银行产生一定影响。随着存款利率的继续下调，未来储户的存款收益可能进一步下降，而银行的客户储备和贷款需求也将相应增加。
英文标题：
多家股份制银行 lower deposit rates, 3-year fixed deposits generally下调25 basis points
关键词：
股份制银行，存款利率，3年定期存款
新闻内容：
Recently, multiple listed banks have reduced their deposit rates. After the six major state-owned banks and China Merchants Bank last week,中信银行, Ping An Bank, Guangfa Bank, Zhejiang Business Bank, Guangdong Bank, and Minsheng Bank, as well as other listed banks, have adjusted their listed rates. In particular, the 1-year deposit rate was reduced by 10 basis points, the 2-year deposit rate was reduced by 20 basis points, and the 3-year fixed deposit rate was generally reduced by 25 basis points.
The reduction of deposit rates will have what impact on both depositors and banks?
Firstly, for depositors, the reduction of deposit rates will lead to a decrease in their deposit income. For 3-year fixed deposits, a 25 basis point reduction means that depositors’ deposit income will decrease by approximately 0.0833%. This may create financial pressure for depositors who rely on their deposit income to support their living.
Secondly, for banks, reducing deposit rates will help to enhance their deposit-gathering ability. As depositors’ deposit willingness may increase with the lower deposit rate, banks may attract more customers and increase their customer base. Additionally, reducing deposit rates will also help banks attract more deposits in the future, which will help meet their lending needs.
In conclusion, the recent reduction of deposit rates by multiple listed banks, with 3-year fixed deposits generally下调25 basis points, will have an impact on both depositors and banks. With continued reductions in deposit rates, depositors’ deposit income may further decrease in the future, while banks’ customer base and lending needs may also increase.
【来源】https://www.zhihu.com/question/636490487
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