近年来，为提升存款资源配置效率并更好服务不同客户群体，部分银行开始试点‘起存门槛分层’机制，逐步替代传统的‘利率一刀切’做法。所谓‘利率一刀切’，是指无论存款金额大小，统一适用相同利率，难以体现资金规模与风险定价的差异。而‘起存门槛分层’则根据客户存款金额设定不同起存标准，并对应差异化利率：存款越多，起存门槛越高，但可享受更高利率回报。这种机制既鼓励大额长期存款，也有助于银行优化负债结构、降低整体资金成本。同时，对普通储户而言，即便小额存款也能获得基础保障利率，兼顾公平与效率。该模式在提升银行精细化定价能力的同时，也推动了存款利率市场化改革向纵深发展，是金融供给侧改革的重要一环。
In recent years, to improve the efficiency of deposit allocation and better serve diverse customer segments, some banks have begun piloting a ‘tiered minimum deposit threshold’ mechanism as an alternative to the traditional ‘one-size-fits-all interest rate’ approach. The latter applies a uniform interest rate regardless of deposit size, failing to reflect differences in funding scale and risk-based pricing. In contrast, the tiered system sets varying minimum deposit thresholds linked to differentiated interest rates: larger deposits require higher thresholds but offer more attractive returns. This approach incentivizes large, long-term deposits while helping banks optimize their liability structure and reduce overall funding costs. At the same time, even small savers retain access to a baseline interest rate, balancing fairness and efficiency. By enhancing banks’ ability to price deposits more precisely, this model advances the market-oriented reform of deposit rates and represents a key step in financial supply-side reforms.
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