The interest rates of the same industry certificates of deposit are rapidly declining, and under "moderately loose" conditions, there is hope to drop to 1.30%.

1. After the improvement in MMF transmission efficiency, the CD interest rate and the 7-day OMO rate will integrate within the next year. 2. Due to the faster decline of long-term bonds, the spread between the 10Y government bond and the 1Y CD has been compressing, and is currently at 13BP.

cls.cnDec 13 18:18

Ping An Securities: It is expected that the overall Net income growth rate of listed Banks will be 1% in 2025.

Gelonghui, December 13｜Ping An Securities released the annual strategy report for the Huaan CSI Banks ETF Feeder Fund-A for 2025, stating that looking ahead to 2025, insufficient effective demand and continued pressure on asset pricing levels remain important factors restricting the upward elasticity of bank profitability.

Gelonghui FinanceDec 13 13:39

The interest rates for consumer loans at some "2"-tier banks will decrease by 10 basis points again in December, while the lowest interest rate at major banks has already dropped by 50 basis points this year.

① The consumer loan products promoted by banks with extremely low interest rates are mostly aimed at high-quality customers, so it is important for customers to pay attention to the actual interest rate level when applying, and then decide whether to borrow. ② The reduction in personal consumer loan interest rates helps to lower the costs for holders of consumer crediting, promoting demand for consumer crediting, and thus driving consumption.

cls.cnDec 10 11:21

As the year-end approaches, many banks are warning about the "standard usage of credit cards" and will periodically take control measures against abnormal customers.

Since late November, more than ten banks have intensively issued reminders about the "standard use of credit cards," including several national commercial banks and many local small and medium-sized banks; on December 6, Qilu Bank issued a reminder that consumers must not rent or lend their credit cards, and it is prohibited for others to make repayments on their behalf, "irregular control will be implemented on abnormal customers."

cls.cnDec 9 13:40

There are still '2' in the range! Many local banks are intensively issuing large denomination certificates of deposit at the end of the year, and state-owned major banks and listed banks are also 'mixed in' among them.

①Especially since late November, around 20 local banks nationwide have intensively announced the issuance of large-denomination certificates of deposit. Moreover, some annualized interest rates are still above 2%. ②Recently, some state-owned major banks have "secretly" promoted their own large-denomination certificate of deposit products, and listed banks have also introduced related products.

cls.cnDec 5 13:55

In Fujian, the mortgage rate in many places has been adjusted to 3.1%. Experts believe that ultra-low interest rates are not sustainable. Banks are revising the "internal competition" trend.

① In multiple cities within Fujian Province, including Xiamen, Fuzhou, and Putian, the mortgage interest rate has been uniformly raised from 3.05% to 3.1%. ② The lack of clarity on the lower limit of the interest rate has led to intense price competition among banks, and this adjustment is a correction of the excessively low rates, which does not indicate a tightening of policy.

cls.cnDec 4 19:59