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从11月中旬开始至今，全国数十家中小银行纷纷开始集中下调挂牌存款利率，降幅最大的高达40个基点。本轮调降之后，利率2%以上的定期存款产品已基本销声匿迹。Since mid November, dozens of small and medium-sized banks across the country have started to concentrate on lowering their listed deposit interest rates, with the largest decline reaching as high as 40 basis points. After this round of cuts, fixed deposit products with interest rates above 2% have basically disappeared.
原本，一些小银行、农商行的利率还算可以，但是6大行降息以后，各中小银行、城市商业银行也都纷纷开始下调存款利率。
目前，存款即使放在小银行，利率也不会太高。
