Multiple small and medium-sized banks intensify deposit rate cuts, with the pace clearly accelerating

2026-04-07 16:31:25

Abstract generation in progress

**The Viewpoint News: **On April 7, since April, several city commercial banks and rural commercial banks have repeatedly lowered deposit rates. They have adjusted major categories such as time deposits and notice deposits. The rate cuts vary from several to dozens of basis points, and the pace of the reductions has become noticeably faster.

According to reports, some regional banks’ 2025 deposit cost ratios have already fallen into the “1-digit” range, with net interest margins gradually stabilizing. Other banks have shown an “inversion” between short- and long-term deposit rates, and some products reflect a situation where “depositing for three years is not as good as depositing for one year.”

Several industry insiders have analyzed that net interest margins in the banking sector are currently at a historical low. In the future, adjustments to deposit rates may continue in a pattern of small, incremental changes with structural divergence, and the interest-rate midpoint will keep moving downward steadily.

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