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內媒:多家農商行及村鎮銀行下調存款利率
內地《北京商報》報道,近日多家農商行及村鎮銀行公佈下調存款利率,調整範圍覆蓋活期及定期存款多類,特色存款產品利率亦下調,部分產品起存門檻提高。
報道指,受地區及銀行間差異,高利率的存款產品越來越少。個別銀行的利率仍然較高,尤其是地方性城商行和農商行,利率與年初相比跌幅不大,2年期存款利率2.6%以上,3年期、5年期存款利率仍在3%以上,但整體而言,3%以上存款利率越來越少。
有分析指,投資者應進行多元化資產組合,關注收益外,亦要考慮自身風險偏好和流動性需求,兼顧短期、中長期或養老投資需要。
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