Small and medium-sized banks initiate a new round of deposit listing interest rate adjustments

MetaMuskRat · 2026-04-03T00:56:38+00:00

Recently, several small and medium-sized banks have lowered their deposit listing rates. Analysts believe that after the "Opening Red" period ends, banks will face net interest margin pressure and are focusing on controlling liability costs. It is expected that deposit rate adjustments will continue, and individual investors are advised to diversify their asset allocation to balance returns and risks.

MetaMuskRat

2026-04-03 00:56:38

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People’s Finance News, April 3—As the “strong start to the year” period comes to a close, several mid-sized and small banks have recently begun a new round of deposit rate listing adjustments. Jilin Bank, Xiamen Bank, Fujian Strait Bank, and others issued announcements earlier this week, lowering the listed interest rates for certain maturities of time deposits. Previously, the listed interest rates for bank deposits have already undergone multiple rounds of reductions. Analysts said that with the “strong start to the year” phase ending at the beginning of the year, and the net interest margin continuing to face pressure, banks have entered a window period for centralized management of liability costs. It is expected that adjustments to the deposit listed rates will continue, and overall they show a trend of gradually easing toward stabilization, with differentiation across structures. In the low-interest-rate era, the people interviewed suggested that individual investors should adopt a diversified asset allocation approach and balance returns with risks. (Shanghai Securities News)

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