maybe. It is estimated that the deposit interest rate for one year and above will generally decrease, while the short-term interest rate for half a year and less will increase slightly.

since June 21st, 221, the deposit interest rates of many banks have been adjusted. Among them, the deposit interest rates of the four major banks are generally "rising and falling", the deposit interest rates for one year and above are generally lowered, and the short-term interest rates for half a year and less are slightly increased.

this interest rate adjustment is mainly due to the change of the quotation method of deposit interest rate of commercial banks from "benchmark interest rate × multiple" to "benchmark interest rate+basis point" on June 21st, and different types of banks have set different upper limit points.

in p>222, interest rates may continue to decrease, but they may also rise. At present, the deposit interest rates of the four major banks have generally declined, and may continue to decline in the future. After all, it seems that not many people will choose bank deposits now.

1. The benchmark interest rate of the central bank

According to the CCTV benchmark rate published on January 24th, 215, it has not been adjusted for nearly five years, so if the benchmark interest rate rises, it means that the bank deposit interest rate will also rise, so it is very likely that the interest rate will be raised when 221 comes. On the other hand, there will be great pressure on the current economic downturn, but there is no inflation, so the central bank will not raise interest rates at all.

2. Loan interest rate

If the deposit interest rate rises, it may naturally lead to an increase in the loan interest rate, so the cost of financing for enterprises will increase at this time. Judging from the central bank's choice of multiple RRR cuts, it is mainly to effectively adjust the loan interest rate, not to raise the loan interest rate.

Which bank will have higher interest rate in p>22

Judging from the current situation, the monetary policy is still relatively loose, and the probability of raising the benchmark loan rate is relatively small, but the loan interest rate among different banks will obviously be different. Rural commercial banks, private banks and city commercial banks may provide some deposits with higher interest rates because of their limited brand awareness, hoping to effectively attract everyone.

Forecast of deposit interest rate trend in p>221

The central bank lowered the reserve ratio in order to effectively make the whole entity industry have stable development. Private enterprises and small and medium-sized enterprises can survive the cold winter smoothly once they have financial support. Only when these enterprises can persist can they effectively ensure the employment of most people. This can effectively increase the current liquidity of commercial banks, and the demand for deposits will also be affected. Therefore, most bank deposit interest rates will not change at all, and it is likely to remain unchanged, and a few may continue to enter the stage of decline.