Many small and medium-sized banks in various locations have been cutting their deposit interest rates, while some banks have been increasing their rates against the trend.

Recently, many small and medium-sized banks in various regions have adjusted their deposit rates, with some institutions offering long-term rates falling below 2%, entering the "era of 1%". At the same time, some banks have raised deposit rates for certain terms against the trend, leading to a phenomenon of inverted yield curve for short and long term deposits. Ai Yawen, a senior analyst at Rong360 Digital Technology Research Institute, stated that this phenomenon is specific to certain cases and not universal. She predicts that influenced by the central bank policy, there is still a downward space of 20-30 basis points in deposit rates in the second half of 2025. Investors should adjust their expected returns, diversify their investments, and increase equity investments appropriately.