Core Insights - The recent approval of three financial asset investment companies (AICs) marks the establishment of the first batch of national joint-stock bank AICs in China, expanding the total number of bank-affiliated AICs to nine [1][2] Group 1: AIC Establishment and Function - The newly approved AICs include Xinyin Financial Asset Investment Co., Xinyin Financial Asset Investment Co., and Zhaoyin Financial Asset Investment Co., with registered capitals of 150 billion yuan and 100 billion yuan respectively [1] - AICs were initially designed for market-oriented debt-to-equity swaps, serving as a "risk isolation wall" and "asset restructuring expert" within the banking system, aimed at reducing corporate leverage and mitigating financial risks [1][3] - The role of AICs has evolved to become a major player in equity investment, particularly following recent policy expansions that have increased their investment scope and intensity [1] Group 2: Comparison Between AICs - The newly established AICs share common features with state-owned bank AICs, including core functions, regulatory frameworks, policy guidance, and operational models [2] - Differences exist in shareholder backgrounds, resource endowments, capital scales, and regional layouts, with state-owned AICs benefiting from larger asset scales and nationwide networks, focusing on large state-owned enterprises [2] - In contrast, joint-stock bank AICs have a slightly lower capital scale and are more concentrated in their initial focus, primarily serving private and innovative small and medium-sized enterprises [2] Group 3: Impact on the Economy - The entry of AICs is expected to significantly promote enterprise transformation and high-quality development by alleviating corporate debt burdens through debt-to-equity swaps, thereby facilitating technological research and product innovation [3] - AICs are positioned to support specialized and innovative enterprises, as well as technology-driven small and medium-sized enterprises, while also restructuring and revitalizing companies in debt distress through market-oriented and legal means [3]

● 本报记者 张佳琳 12月3日，中国证券报记者登录交通银行App，热销存单一栏显示："当前无可购买的大额存单"，仅有 转让存单。邮储银行App存单产品一栏也显示："暂无满足条件的产品，建议您查询其他产品。" "六大行已停售五年期大额存单"正被网友热议。事实上，这并非新鲜事。多位国有大行的客户经理向记 者表示："已经很久没有五年期大额存单了。""这两年大额存单概念已经淡化，因为它们的利率与定期 存款差不多。" 此外，记者发现工商银行、农业银行均推出了"百万门槛"大额存单。专家认为，此举反映出行业变化趋 势：银行正将传统的大额存单产品转变为维护客户关系的工具。 大额存单难觅其踪 针对交通银行大额存单相关情况，该行客服回应记者称："大额存单是我行限量发售的存款产品，如果 线上显示没有，就是已经卖完了。"随后，记者咨询多地交通银行客户经理独家获悉，目前该行仅有区 域专享大额存单。 交通银行北京地区客户经理小许告诉记者，该行仅有北京客户专享的一年期个人大额存单，20万元起 购，年利率1.40%。"我行只有一年期大额存单，需要您在北京地区开卡才能购买。如果您有其他期限 的存款需求，我们推荐您选择利率上浮的定期存款。例如 ...

家住北京市的王女士跑了两家大行网点，却发现5年期大额存单都停售了，3年期的产品也得靠"抢"，利率还比去年降 了不少 近年来，随着银行业净息差持续承压，各银行开始重新评估自己的负债结构，国有大行陆续下架五年期大额存单产品 工商银行APP显示，该行近期发售的 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"，年利率仅为 1.55%，而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%"，定存的起步门槛仅为50元 在金融市场上，长期存款产品正在悄然消失。记者通过登录工商银行官方APP及手机银行查询发现，目前该行"大额 存单"栏目下仅剩余 1个月、3个月、6个月、1年、2年、3年六个期限产品，5年期产品已无踪影 不止工商银行，农业银行、中国银行、建设银行、交通银行及邮储银行这六家国有大行已全面停售5年期大额存单产 品 部分股份制银行及城商行也紧随其后收缩长期存款业务。招商银行客服人员确认，该行大额存单的在售列表中已没有 3年期和5年期的选项 当五年期大额存单消失的同时，三年期产品的门槛也在不断提高。 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 ...

12月3日，交通银行手机APP热销存单一栏显示"当前无可购买的大额存单"，仅有转让存单在售。对 此，交通银行客服人员回应称："我行限量发售大额存单，如果线上显示没有，确实是已经卖完了。建 议您咨询附近网点，看有无存量的大额存单。"随后，记者从多地交通银行客户经理处获悉，目前该行 仅针对部分地区客户推出专享大额存单，且期限多为一年期及以下。例如，交通银行北京地区客户经理 小许告诉记者，该行仅有北京客户专享的一年期个人大额存单，20万元起购，年利率为1.40%。 (中证 金牛座) ...

南方财经12月3日电，据中证金牛座，12月3日，交通银行手机APP热销存单一栏显示"当前无可购买的 大额存单"，仅有转让存单在售。对此，交通银行客服人员回应记者称："我行限量发售大额存单，如果 线上显示没有，确实是已经卖完了。建议您咨询附近网点，看有无存量的大额存单。"随后，记者从多 地交通银行客户经理处获悉，目前该行仅针对部分地区客户推出专享大额存单，且期限多为一年期及以 下。例如，交通银行北京地区客户经理小许告诉记者，该行仅有北京客户专享的一年期个人大额存单， 20万元起购，年利率为1.40%。 ...

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，记者发现，交通银行手机APP热销存单一栏显示"当前无可购买的大额存单"，仅有转让存单 在售。对此，交通银行客服人员回应记者称："我行限量发售大额存单，如果线上显示没有，确实是已 经卖完了。建议您咨询附近网点，看有无存量的大额存单。"记者从多地交通银行客户经理处独家获 悉，目前该行仅针对部分地区客户推出专享大额存单，且期限多为一年期及以下。例如，交通银行北京 地区客户经理小许告诉记者，该行仅有北京客户专享的一年期个人大额存单，20万元起购，年利率为 1.40%。（中证金牛座） ...

在科技强国战略深入推进、实体经济加速转型升级的背景下，科技型企业正成为驱动高质量 发展的核心力量。党的二十届四中全会将"推动科技创新与产业创新深度融合"作为加快高水 平科技自立自强与引领发展新质生产力的重要内容进行部署，交通银行立足大行担当，以产 业链金融为重要抓手，通过数字化、场景化、生态化的创新服务，精准破解科技企业融资痛 点，为科技创新与产业升级注入强劲金融动能，奋力书写"科技金融"大文章。 某全球领先通信设备制造商，其内部子公司一直面临结算频繁、传统票据流程效率低以及强 势供应商要求现金支付的痛点。交通银行对症下药， 定制承兑及代理贴现服务方案 。该方案 通过集团公司开立银承汇票后，实时办理卖方付息代理贴现。针对结算频繁、传统流程效率 低的问题，交通银行快速响应，对现有流程进行创新，系统迭代升级，推出秒级服务，帮助 客户实现秒级承兑开立银票，交行立即为子公司或供应商办理代理贴现，实现秒级融资，贴 现资金实时直达子公司及供应商账户，大幅缩短放款周期。方案落地后，年内累计处理业务 约2 0 0笔、规模达4 0亿元，显著降低集团资金周转压力。 此外，交行通过 整合票据、信用证、保函等综合产品 ，使银企关系进 ...

Core Viewpoint - The banking industry is undergoing a transformation driven by "new quality productivity," emphasizing the integration of advanced technologies like artificial intelligence and big data to enhance competitiveness and operational efficiency [1]. Group 1: Digital Transformation in Banking - The Bank of Communications is actively integrating the concept of "digital finance" into its retail credit business, shifting from a product-oriented approach to a customer-centric model [1]. - The bank's transformation aims to enhance its core competitiveness by leveraging digital capabilities and promoting a high-quality development path [1]. Group 2: Retail Risk Control Platform - The bank is transitioning from "incremental expansion" to "stock deepening" in retail credit, addressing challenges such as slowing growth and diverse customer needs [2]. - A retail risk control platform is being established, integrating six core capabilities: AI empowerment, data fusion, intelligent modeling, integrated risk control, decision-making operations, and enterprise-level architecture support [2]. Group 3: AI Empowerment - AI technology is embedded in 20 scenarios across the entire credit process, aiming to reduce human dependency and improve efficiency, with a projected release of over 500 human resources by 2025 [3]. - Innovations in the pre-loan, loan, and post-loan stages have significantly improved processing times and accuracy, with an automatic classification accuracy of over 95% and a processing time reduction from hours to minutes [3]. Group 4: Data Fusion - The bank's data fusion capabilities address the contradiction of having abundant data but insufficient application, integrating various data sources to create a shared resource pool [4]. - The platform has developed nearly 20,000 feature variables and 70,000 external variables, enhancing the approval rate for quality business circles to 70% [4]. Group 5: Intelligent Models - The bank has developed over 100 risk models covering the entire credit lifecycle, improving overall risk identification capabilities by nearly 50% [5]. - This systematic approach has not only improved effectiveness but also provided a standardized operational model for the industry [5]. Group 6: Integrated Risk Control - The integrated risk control system enhances decision-making accuracy and comprehensiveness, recovering nearly 5 billion yuan in losses through a comprehensive fraud prevention system [5]. - The evolution from "single-point defense" to "three-dimensional defense" marks a significant step in proactive risk management [5]. Group 7: Decision-Making Operations - A unified risk decision-making base is crucial for achieving organizational-level risk assessment and rapid response capabilities [7]. - The bank has implemented a distributed architecture to support high concurrency and low-latency business scenarios, enabling real-time decision-making [7]. Group 8: Customer-Centric Credit - The bank has innovated a customer-level credit model that integrates various financial services into a single application process, resulting in a monthly average increase of over 20% in credit amounts since implementation [9]. - This model effectively balances risk, efficiency, and customer experience, showcasing the bank's digital capabilities [9]. Group 9: Product Innovation - The launch of the "Business Circle Benefit Loan" product targets small and micro businesses, providing a streamlined online experience and addressing traditional credit service challenges [10]. - The product has reached nearly 100,000 customers across major business circles, enhancing market vitality [10]. Group 10: Process Restructuring - The bank is advancing the digital upgrade of its housing loan business, significantly improving approval efficiency and service quality [11]. - Over 80% of housing loan applications are now processed through mobile platforms, demonstrating the effectiveness of the digital transformation [11]. Group 11: Future Outlook - The banking sector is expected to evolve from mere financial service providers to builders of open ecosystems and enablers of intelligent services, driven by advancements in artificial intelligence [12]. - The bank's practices provide a valuable model for the industry, illustrating a pathway from tools to capabilities, and from capabilities to value creation [12].

Core Viewpoint - The latest issuance of 3-year large-denomination certificates of deposit (CDs) by Industrial and Commercial Bank of China (ICBC) has seen the minimum deposit requirement raised to 1 million yuan, with an interest rate of 1.55%, which is currently sold out [1][5]. Group 1: Large-Denomination CDs - The current 3-year large-denomination CDs from ICBC have a minimum deposit of 1 million yuan and an interest rate of 1.55% [1][2]. - Previously, ICBC offered a 3-year large-denomination CD with a minimum deposit of 200,000 yuan, also at an interest rate of 1.55% [1][2]. - Other banks, such as China Construction Bank, Agricultural Bank of China, and Bank of China, also offer 3-year large-denomination CDs with a minimum deposit of 200,000 yuan at the same interest rate of 1.55% [5]. Group 2: Market Dynamics and Strategies - The increase in the minimum deposit requirement for large-denomination CDs without a corresponding increase in interest rates reflects banks' proactive liability management strategies in a low-interest-rate environment [5][6]. - By raising the minimum deposit amount, banks are effectively tightening the supply of large-denomination CDs, aiming to optimize their liability structure and reduce reliance on high-cost deposits [5]. - The main advantages of large-denomination CDs over regular deposits include higher liquidity and flexibility, such as transfer and pledge capabilities, making them suitable for large depositors with short-term funding needs [6].