# net interest margin
Latest news and articles about net interest margin
Total: 3 articles found
China’s Deposit Rates Slide: Large CDs Fall Below 1% as Banks Trim Long-term Offers
Chinese banks have cut rates on large-denomination certificates of deposit, with many short-term offerings now below 1%. The retreat of longer-term deposit products and tighter issuance reflects central-bank easing and banks’ efforts to protect net interest margins, prompting savers to seek alternative yields and raising questions about future credit growth and financial stability.
China’s Small Banks Raise Deposit Rates in Targeted Push for Funds — A Sign of Funding Strain, Not a Market Reprieve
Several Chinese small and rural banks have raised deposit rates selectively — by up to about 20 basis points — using time-limited or high-minimum products to attract funding at the start of 2026. The moves reflect year-beginning funding drives and competitive pressures on institutions with weaker deposit franchises, not a broad reversal of the downtrend in deposit pricing.
China’s Deposit Market Goes Low and Short: Savers “Move House” Between Banks as Yields Slump
New-issue large-denomination bank deposits in China have moved decisively into single-digit annual yields, with tenors shortening and minimum subscription amounts rising. Faced with a 75 trillion yuan maturity wave in 2026, savers are largely redeploying funds across banks rather than into equities, forcing lenders to compete through targeted rate offers, higher thresholds and bespoke customer retention tactics.