中国银行下降五年高产CD, 降低利率以降低成本, Chinese banks drop 5-year high-yield CDs, cutting rates to cut costs amid shrinking profit margins.

中国主要银行,包括ICBC银行和ABC银行,已停止了五年高收益大型存款证,代之以提供1.2%至1.8%利息的短期选择,从2%降至2.1%。 Major Chinese banks, including ICBC and ABC, have discontinued five-year high-yield large-scale certificates of deposit, replacing them with shorter-term options offering 1.2% to 1.8% interest, down from 2% to 2.1%. 这一转变旨在降低融资成本,因为银行在2025年问题3中面临创纪录的1.42%净利差,这是政府努力通过降低贷款利率来支持经济放缓的压力造成的。 This shift aims to reduce funding costs as banks face record-low net interest margins of 1.42% in Q3 2025, pressured by government efforts to support a slowing economy through lower lending rates. 今年早些时候,小型银行和农村银行已经采取了类似的步骤。 Smaller and rural banks had already made similar moves earlier in the year. 尽管一再削减存款率,家庭储蓄继续增加,使人们对消费者信心和金融安全受到的长期影响感到关切。 Despite repeated deposit rate cuts, household savings continue to rise, raising concerns over long-term impacts on consumer confidence and financial security.