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多家中小银行中长期存款利率降至“1字头”

intermediate36氪1 min read
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Grammar Points

以来since (a point in time)HSK 4

Placed after a time expression, 以来 means 'since...' and indicates that a situation has continued from that time up to the present.

"3月份以来,多家城商行、农商行及村镇银行相继下调定期存款利率。"

相继 + 动词one after anotherHSK 5

相继 is an adverb meaning actions happen successively or one after another. It is often used in formal or news-style writing.

"多家城商行、农商行及村镇银行相继下调定期存款利率。"

降至 / 进入 / 转向 + 结果change reaching a result/stateHSK 5

Verbs like 降至, 进入, and 转向 show that a change leads to a new level, stage, or direction. This is common in formal descriptions of trends and transitions.

"中小银行2年期、3年期、5年期定期存款利率普遍降至2%以下。"

"中小银行正从粗放揽储转向差异化竞争。"

这主要源于……this mainly stems fromHSK 6

源于 means 'to originate from' or 'to stem from'. The pattern 这主要源于…… is used to explain the main cause of a situation in formal analysis.

"这主要源于净息差收窄压力和贷款端利率持续下行。"

通过……引导……through... to guide...HSK 5

通过 introduces the means or method used to achieve something. In this pattern, the first part gives the method, and 引导 introduces the intended effect or direction.

"即通过利率倒挂引导资金向中短期转移。"

Key Vocabulary

利率lì lǜHSK7

interest rate

年期nián qī
中小银行zhōng xiǎo yín xíng
存款cún kuǎnHSK5

bank savings

银行yín xíngHSK3

CL:家[jia1],個|个[ge4]

定期存款dìng qī cún kuǎn
字头zì tóu
zhèHSK1

(bound form) this; the (followed by a noun)

进入jìn rùHSK4

to join

多家duō jiā
下调xià diàoHSK7

to lower (prices, wages etc)

管理guǎn lǐHSK4

CL:個|个[ge4]

同时tóng shíHSK4

at the same time; simultaneously

竞争jìng zhēngHSK4

competition

jìngHSK6

completely

转移zhuǎn yíHSK6

(medicine) to metastasize

倒挂dào guà
阶段jiē duànHSK5

CL:個|个[ge4]

以来yǐ láiHSK5

since (a previous event)

正式zhèng shìHSK4

formal; official

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多家中小银行中长期存款利率降至“1字头” - ISCBJ