Rural commercial banks in multiple regions are reducing interest rates on deposits again, while nationwide banks are staying put.

Recently, many rural commercial banks in various regions have been lowering deposit interest rates, and some banks have even strengthened differential interest rate pricing to enhance the precision management of their liability costs. At the same time, national banks such as large state-owned banks and joint-stock banks have maintained stable deposit interest rates, leading to a clear differentiation in deposit interest rate adjustments in the banking industry. Experts state that the differing pace of deposit interest rate adjustments between these two types of banks is due to differences in liability structures, interest rate pressures, and adjustment cycles, and it is expected that local rural commercial banks will still need to continue to "cut down" their liability costs in the future.