How does the deposit interest rate reduce our lives?

□ Chutian Metropolis Daily Journalist Chen Hong, Xu Wei Liu Shi

Jimu Journalists learned from multiple channels that from September 15, six major state -owned banks including ICBC, Agricultural Bank, Bank of China, CCB, Bank of Communications, and Postal Savings Bank have adjusted personal deposit interest rates, including current deposits and regular deposits The interest rates of multiple varieties have different levels of fine -tuning, and the decline is generally 10-15 basis points. Immediately after, a number of joint -stock banks also followed up this action. This is another decline since the personal deposit interest rate has been reduced in April this year.

In layman's terms, the reduction of deposit interest rates means that the reduction of the income brought by Qian deposit bank will promote the flow of funds to consumption and other investment channels to a certain extent. Around the reduction of deposit interest rates, it becomes a hot topic for online and offline. How much will it affect the investment and financial management of the people, and what will it bring to your life? On this topic, Jimu Journalists conducted various visits.

The bank has lowered the personal deposit interest rate again

Following April this year, after several major state -owned banks and most joint -stock banks lowered regular deposits and large -scale deposit interest rates, several major state -owned banks reducing personal deposit interest rates on September 15.

Jimu Journalists saw on the deposit interest rate sheet announced by Agricultural Bank of China and the China Construction Bank APP that on September 15th, 3 months, 6 months, 1 year, 2 -year, and 5 -year full deposit and collected interest rates They were 1.25%, 1.45%, 1.65%, 2.15%, and 2.65%, both of which decreased by 10 basis points; the 3 -year regular deposit interest rate was 2.60%, which was reduced by 15 basis points.

The reporter consulted a financial manager of a state -owned bank that on September 15th, the annual interest rate of three months, half a year, one -year, 2 -year, and 5 -year annual interest rate was reduced by 10 basis points; The listing interest rate was reduced by 15 basis points. In addition, the listing interest rate of several major state -owned banks was reduced by 5 basis points to 0.25%. At the same time, zero -deposit, reinforcement, and deposit deposit deposit interest rate were reduced by 10 basis points.

However, the reporter noticed that some banks gave a tip on the mobile banking APP that the actual interest rate can be floated, and the exclusive preferential interest rate will be given according to the situation of customer deposits and a single purchase amount. It is recommended that customers prevail on the actual transaction rate.

In addition to state -owned banks, 8 joint -stock banks including CITIC Bank, Everbright Bank, Minsheng Bank, Ping An Bank, SPD Bank, Guangfa Bank, Huaxia Bank, Hengfeng Bank also announced the reduction of deposit interest rates. The decline of regular deposit products ranges from 10-50 basis points.

The enthusiasm of residents is still high

In just a few months, why did the resident deposit interest rate be reduced many times? The financial manager of a joint -stock commercial bank told reporters that on the one hand, the bank mainly refers to the bond market interest rate represented by 10 -year Treasury bond yields and the loan market interest rate represented by one -year LPR, and reasonably adjust the level of deposit interest rates. Therefore, in the case of 1 -year LPR reduction of 0.05 percentage points on August 22, the deposit interest rate was reduced simultaneously. On the other hand, in order to promote economic development, objectively need to reduce corporate financing costs. Only when the deposit interest rate is reduced, the cost of banking has decreased, and the loan interest rate will be reduced to a larger space.

Some analysts said that the current central bank's stable monetary policy still has the possibility of moderate looseness. Therefore, the deposit interest rate is still likely to continue to decline.

"Although the interest rates of regular deposits have been reduced several times, there are many customers at our outlets." A customer manager of ICBC told Jimu Journalists that many customers think that there are no particularly good investment channels at present, and they will still be stable. First consider putting the money on the bank.

A wealth management manager at Everbright Bank also said that after the deposit interest rate is reduced, the current regular deposit customers have not decreased accordingly. "For customers with low -risk tolerance, the purchase of deposit products that guarantee capital insurance have become their investment habits."

The wealth management manager suggested that investors can allocate assets with lower correlations in diversified and diversify the impact of single assets on the overall assets. In addition, adhering to the way of long -term investment to help increase the probability of profitability, and you can also accelerate the growth of assets under the power of compound interest.

Whether to repay the mortgage in advance requires specific analysis

What impact will the deposit interest rate be reduced on the property market? Wang Xiaoyu, chief analyst of Zhuge Finding Data Research Center, believes that the reduction of deposit interest rates means that the existence of money in the bank will further reduce the income of banks. The real economy and then promote the development of the real economy. In addition to the real economy, buying a house is also a part of the choice of people, but in the context of "housing does not fry", especially when the current property market trend is still not clear, how much incremental funds will enter the property market, still need subsequent follow -up, still requires subsequent follow -up Observed. She believes that the reduction of the deposit interest rate may not have too much impact on the property market.

Wang Xiaoyu said that the topic of repaying mortgages in advance is relatively hot in the near future, but whether buyers really need to repay a part of the mortgage in advance or even settle down the mortgage. Specific analysis of specific issues also needs to be comprehensively determined in combination with their own situation. First of all, it depends on the repayment method stipulated by the loan contract at the time. Generally speaking, the equivalent principal is more suitable for early repayment than equivalent principal and interest; secondly, it depends on the proportion of monthly loan supply in household income. If the monthly supply proportion is too high, you can consider the early repayment; again, judge the current current Whether there are more reliable investment channels, if there is no safe and reliable investment channel, you can give priority to paying the loan in advance. Generally speaking, the economy is still in a period of steady growth, and there are certain operating pressures in all walks of life. In the context of the residential deposit interest rate, if there is no better investment channel, and the monthly loan monthly supply ratio is too high, this part The group can consider repaying the loan in advance. Limited for the capital market

Many banks have lowered personal deposit interest rates, which are reflected in the capital market. The A -share banking sector also ushered in substantial benefits. Bank stocks ushered in a general rising market on September 15. Against the background of A -share recovery, bank stocks rose against the trend and were more or less stimulated by news.

However, from a mid -cycle, the banking sector is still at the bottom stage. The decline in LPR, newly added 300 billion yuan policy financial instruments, 500 billion yuan of special debt limits, etc. Driven by the release, the market is generally concerned about whether the deposit interest rate will be substantially beneficial to the bank sector, and let A shares get out of the downturn in the current stage adjustment?

In an interview with Joint Director, Researcher Pan, and Lin's interview with Jimu Journalists, the bank deposit rate of bank deposits is reduced, which means that the bank deposit interest rate is reduced, which means that the bank deposit rate is reduced. It will make funds invest in equity, so it is indeed good for A shares. However, because the current A -share is affected by the macro surface of the internal and external parts, especially the Fed's radical interest rate hikes leads to the instability of the overseas capital market and it affects A shares, it may be good for A shares in the short term, but it is difficult to reflect the stock price in the stock price Essence

Regarding the market opportunities of bank stocks, the CITIC Securities Bank team believes that for sector investment, the team believes that the current sector's valuation is established, and it is recommended to wait for economic expected restoration and risk expected investment opportunities.

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