On February 11th, Ms. Ji, a depositor of a rural commercial bank in Shanxi Province, discovered that the one-year deposit interest rate of 1.75% was 30 basis points higher than the two-year deposit rate of 1.45%. Is it better to save one year than two years? The reporter learned that several regional banks have recently adjusted their fixed deposit interest rates, and some banks have seen one-year and two-year deposit interest rates remain the same or “inverted”. Unlike the previous three-year and five-year medium – to long-term deposit interest rates’ inversion ‘, this time the interest rate’ inversion ‘appears on short – to medium-term deposit varieties. Industry insiders believe that this is a phenomenon of market-oriented deposit interest rates, which is an active action taken by banks to strengthen asset liability management and optimize interest rate risk management. Whether it is possible to control debt costs and optimize debt structure has become a necessary question for banks. (Shanghai Stock News)
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