来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了1028家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"配置信息和防火墙策略联动的方 法及装置"的专利，授权公告号CN 119316170 B，申请日期为2023年11月。 ...

Core Viewpoint - The banking industry is experiencing a structural adjustment in deposit products, with a notable trend of large-denomination certificates of deposit (CDs) being phased out, particularly the 5-year term, while some small and medium-sized banks are increasing deposit rates to attract customers [1][2][3]. Group 1: Market Trends - The deposit market has entered a phase of differentiated competition, with large banks reducing long-term high-cost deposits and raising the minimum investment thresholds for large CDs [1][7]. - Major state-owned banks have collectively removed 5-year CDs from their offerings, leaving only shorter-term products available for investors [2][3]. - The exit of 5-year CDs is not sudden; many banks have already stopped offering long-term deposits, indicating a shift in banks' liability management strategies [6][3]. Group 2: Interest Rate Dynamics - There is a growing phenomenon of interest rate inversion, where shorter-term deposits offer higher rates than longer-term ones, challenging traditional pricing logic [5]. - The average net interest margin for commercial banks has decreased, with the latest data showing a net interest margin of 1.42%, down 11 basis points year-on-year [16][17]. - Some small and medium-sized banks are increasing deposit rates to enhance their competitiveness in attracting deposits, with examples showing rates as high as 1.9% for certain terms [15][16]. Group 3: Strategic Adjustments - Large banks are implementing differentiated and tiered management for large CDs, with some products requiring a minimum investment of 1 million yuan, while still offering lower-threshold options [7][13]. - The adjustments reflect a broader industry trend where banks are using traditional deposit products as tools for customer relationship management, especially in a declining interest rate environment [14]. - The ongoing pressure to reduce funding costs will likely lead banks to continue lowering deposit rates, although the pace of such reductions may slow as rates approach their lower limits [17][16].

Core Viewpoint - The threshold for three-year large-denomination certificates of deposit (CDs) has been raised to 1 million yuan, while the interest rate is only equivalent to that of a 50 yuan fixed deposit, which is 1.55% [1] Group 1 - Industrial and Commercial Bank of China (ICBC) is offering the fourth issue of three-year personal large-denomination CDs with a minimum deposit requirement of 1 million yuan [1] - The annual interest rate for the three-year CDs is set at 1.55%, which matches the highest rate available for three-year fixed deposits, but with a significantly lower minimum deposit of only 50 yuan [1] - Other city commercial banks are retaining one-year large-denomination CDs only for specific regions on their apps [1]

Core Viewpoint - The banking sector is experiencing significant pressure on net interest margins, leading to a reduction in the availability and attractiveness of long-term deposit products, particularly large-denomination certificates of deposit (CDs) [2][5][12]. Group 1: Large-Denomination Certificates of Deposit - Industrial and Commercial Bank of China (ICBC) is currently offering a three-year large-denomination CD with a minimum deposit of 1 million yuan and an interest rate of 1.55% [2][8]. - Previously, the minimum deposit for large-denomination CDs across banks was generally 200,000 yuan, indicating a shift in market conditions [2][8]. - Major state-owned banks have collectively removed five-year large-denomination CDs from their offerings, with only three-year products remaining, which have seen interest rates drop to between 1.5% and 1.75% [2][8]. Group 2: Market Adjustments and Trends - Several small and medium-sized banks have begun to adjust or eliminate their three-year and five-year fixed deposit products, reflecting a broader trend of long-term deposits "retreating" from the market [2][9]. - The first bank to publicly announce the cancellation of five-year fixed deposits was a rural bank in Inner Mongolia, which took effect on November 5 [2][9]. - At least seven private banks, including Meizhou Merchants Bank and Mybank, have also removed five-year fixed deposit products from their offerings [2][9]. Group 3: Interest Rate Trends and Financial Performance - As of the fourth quarter, multiple small and medium-sized banks have announced reductions in RMB deposit rates, with some cuts reaching as high as 80 basis points [3][9]. - According to the National Financial Regulatory Administration, the net interest margin for private banks decreased by 0.08 percentage points quarter-on-quarter, indicating a common challenge across the industry [5][11]. - Among 26 listed banks that reported third-quarter net interest margin data, 12 banks saw their margins stabilize or increase, while 14 banks continued to experience a downward trend [5][12]. - Everbright Securities predicts that the net interest margin will continue to decline in an "L" shape, with an expected annual contraction of approximately 15 basis points to 1.36% [6][12].

Core Viewpoint - The demand for large-denomination certificates of deposit (CDs) is high, leading to limited availability, particularly in certain regions, as banks adjust their offerings in response to market conditions [1][4]. Group 1: Availability of Large-Denomination CDs - The Bank of Communications currently shows no available large-denomination CDs for purchase on its mobile app, indicating they have sold out [1]. - The bank's customer service confirmed that large-denomination CDs are sold in limited quantities and suggested customers check local branches for availability [1]. - Reports indicate that only select regions have access to exclusive large-denomination CDs, with a minimum purchase requirement of 200,000 yuan and an interest rate of 1.40% for a one-year term in Beijing [4]. Group 2: Interest Rates and Terms - The Bank of Communications offers a one-year large-denomination CD with a 1.40% interest rate, while other banks are adjusting their rates for different terms [6]. - Agricultural Bank of China has two products for three-year large-denomination CDs, with interest rates set at 1.55% for minimum investments of 20,000 yuan and 5 million yuan [6]. - The Industrial and Commercial Bank of China has also introduced a three-year large-denomination CD with a minimum investment of 100,000 yuan, which has already sold out [6]. Group 3: Market Trends and Strategies - The trend of banks discontinuing longer-term large-denomination CDs, such as five-year options, has been noted, with many banks indicating a lack of such products in recent years [6]. - Analysts suggest that banks are raising the minimum investment thresholds and stabilizing interest rates to manage their high-cost liabilities and maintain interest margins [8]. - The scarcity of medium to long-term deposit products like large-denomination CDs is becoming a strategy for banks to attract high-end clients, where the security and stability of funds are prioritized over interest rates [8].

12月3日，据财联社，工商银行APP显示该行正在发售的2025年第四期3年期个人大额存单，起 步门槛标注为"100万起存"，而年利率仅为1.55%。而最新的工行三年期定存产品的年利率， 标注为"年利率最高可至1.55%"，而定存的起步门槛仅为50元。记者了解到，当前市场上各家 银行大额存单起步门槛基本为20万元。 出品丨21财经客户端 21世纪经济报道 编辑丨 曾婷芳 江佩佩 见习编辑 陈泽锴 张嘉钰 宁波对决南京，谁将拿下全国城市十强席位 超7万个直播间被处置 无锡杀出60亿储能黑马，成立6年冲刺港股IPO，毛利率腰斩 21君荐读 SFC ...

12月3日，据智通财经，工商银行（601398）APP显示该行正在发售的2025年第四期3年期个人大额存 单，起步门槛标注为"100万起存"，而年利率仅为1.55%。而最新的工行三年期定存产品的年利率，标注 为"年利率最高可至1.55%"，而定存的起步门槛仅为50元。记者了解到，当前市场上各家银行大额存单 起步门槛基本为20万元。 ...

Core Viewpoint - The current interest rates for large time deposits are low, with banks offering similar rates for both large deposits and regular savings, leading to a decline in attractiveness for large deposits [1][2]. Group 1: Interest Rates and Deposit Products - The Industrial and Commercial Bank of China (ICBC) is offering a three-year large deposit with a minimum investment of 1 million yuan at an interest rate of 1.55%, which is the same as the rate for a regular three-year deposit starting from 50 yuan [1]. - Major banks, including the "Big Six," have collectively stopped offering five-year large deposits, with the remaining three-year products seeing rates drop to between 1.5% and 1.75% [2]. - The interest rate for various deposit products is as follows: - 1.55% for three-year large deposits starting from 1 million yuan [3]. - 1.20% for two-year deposits starting from 20,000 yuan [5]. - 1.10% for one-year deposits starting from 10,000 yuan [4]. Group 2: Market Trends and Analyst Insights - Analysts indicate that banks are reluctant to hold long-term liabilities due to expectations of declining interest rates in the future [2]. - The reduction in the availability of long-term large deposits reflects a divergence in banks' strategies under current market pressures, although large deposits are not expected to disappear entirely [1][2].

12月3日，对于"工商银行三年期大额存单门槛提至100万元"这一消息，上海证券报记者求证获悉，工行等国有大行百万级起存的大额存单早已推出，且20万 元起存的3年期大额存单仍在货架售卖，两者利率均为1.55%。 上证报中国证券网讯（记者 黄坤）12月3日，对于"工商银行三年期大额存单门槛提至100万元"这一消息，上海证券报记者求证获悉，工行等国有大行百万 级起存的大额存单早已推出，且20万元起存的3年期大额存单仍在货架售卖，两者利率均为1.55%。 "目前我行在售的三年期大存单有两款，分别为100万元起存的'2025年第四期3年期个人大额存单'、20万元起存的'2025年第三期3年期个人大额存单'，这两 款发行期限均为2025年5月20日至2025年12月31日。"12月3日，工商银行客服向记者介绍称，上述大额存单具体额度以手机银行为准。 ￥ 20万元起 (i) 预计到期利息:0.00元 转出账户 6222***84! 可用余额 0.09 SEE 本机构吸收的本外币存款依照 随后，记者查看工商银行手机银行发现，该行100万元起存的"2025年第四期3年期个人大额存单"已售罄，而20万元起存的"2025年第三期3 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"5G消息交互页面的测试方法及装 置"的专利，授权公告号CN 119988209 B，申请日期为2024年2月。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了1095家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 ...