The three -year period of the bank's deposit interest rate decreased to 2.6%

Chutian Metropolis Daily News (Reporter Chen Hong) Following April of this year, after several major state -owned banks and most joint -stock banks have lowered regular deposits and large -scale deposit interest rates, several major state -owned banks reducing personal deposit interest rates yesterday.

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.

Earlier, the latest issue of the loan market quotation interest rate (LPR) quotation results showed that the 1 -year LPR downgraded 5 basis points, and 15 basis points were reduced by 5 years and above LPR. Many analysts believe that with the reduction of LPR, bank deposit interest rates may also be reduced.

Some analysts said that in the current environment, due to the difficulty of the real economy, the decline of deposit interest rates can help reduce the cost of bank liabilities, avoid the loss of interest spreads, and improve the ability of banks to make the real economy. In the long run, interest rates are also a trend. Compared with some developed countries, China's current interest rates are relatively high.

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