Workers and peasants' deposit interest rates have been reduced today

Qingdao Daily/Guanhai News September 15th. The reporter learned from multiple channels that the four major banks of workers and peasants have adjusted personal deposits and interest rates again, including the interest rates of multiple varieties, including current deposits and regular deposits. For different magnitude of fine -tuning, the three -year regular deposit and large -scale deposit interest rates were reduced by 15 basis points. The reporter consulted the bank outlets of Island City. After the adjustment, the interest rates of each bank were slightly different, and there were no quotas for large depositors. The city commercial bank said that interest rates have not been adjusted.

The staff of a certain branch of the ICBC told reporters that after the adjustment, the interest rate of regular savings deposits of more than 50,000 yuan was adjusted to 2.4%in 2 years, 3%was adjusted to 3%, and 5 -year adjustment was adjusted to 2.88%. The deposit interest rate of large deposits is 2.5%, and the three -year adjustment was adjusted to 3.1%.

The staff of the Bank of China Qingdao No. 2 Sub -branch said that after the adjustment, the regular savings of more than 20,000 yuan for 3 years were 3.15%. "The staff member said.

Construction Bank and Agricultural Bank's situation is similar to the above two lines. According to relevant information of Construction Bank and Agricultural Bank, on September 15th, 3 months, 6 months, 1 -year, 2 -year, and 5 -year regular deposit year The interest rates were reduced by 10 basis points; the annual interest rate of the three -year deposit was reduced by 15 basis points.

The reporter also consulted the Zhenhua Road Community Sub -branch of Qingdao Bank and the Qingdao Rural Commercial Bank Chengyang Sub -branch. Both banks said that the deposit interest rate has not been adjusted.

Market participants believe that considering that the one -year LPR has recently lowered 5 basis points and 10 -year government bond yields has also declined to a certain extent. It is necessary to have space for the annual interest rate of limited time deposits and large deposit deposits.

The LPR quotation released on August 22 showed that the 1 -year LPR reduced 5 basis points, and 15 basis points were reduced by 5 years and above LPR. At that time, many analysts believed that with the reduction of LPR, the deposit interest rate was expected to be reduced again.

An interviewed banker said that the interest rate was reduced as early as possible, and customers have increased regular deposits from April. The People's Bank of China previously revealed that in April 2022, the People's Bank of China guided interest rate self -discipline mechanisms established a market -oriented adjustment mechanism for deposit interest rates. Members of the self -discipline mechanism bank refer to the bond market interest rate of 10 -year Treasury yields and the 1 -year LPR as the one -year LPR. The loan market interest rate represents the level of deposit interest rates reasonably. State -owned banks and most joint -stock banks such as Workers and Peasants' CCPPCC and major joint -stock banks have lowered their time deposits and large -scale deposit interest rates in the one -year or higher period of time in late April. (Qingdao Daily/Guanhai Journalist Ding Qianqian)

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