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 ...

红星资本局12月3日消息 近日，工商银行发售的最新一期3年期大额存单，起存门槛升至100万元，利率 为1.55%，目前显示"告罄"。 而该行此前发售的3年期20万起存的大额存单，利率也为1.55%；其3年期定期存款（50元起存）的利率 最高也可达到1.55%。 大额存单是由银行向个人或机构发行的一种大额存款凭证，部分大额存单还具备转让功能，此前因起存 金额高，利率也相较于普通存款更高，但在利率下行趋势下，大额存单利率优势弱化。 红星资本局梳理银行APP发现，目前建设银行、农业银行、中国银行3年期20万元起存的大额存单利率 均为1.55%，农业银行另有一款3年期500万元起存的大额存单利率也为1.55%。邮储银行APP显示，"暂 无满足条件的大额存单产品"；交通银行APP显示，"当前无可购买的大额存单"。 苏商银行特约研究员薛洪言表示，大额存单起存门槛升高但利率未随之升高，是银行在当前低利率环境 和净息差压力下的主动负债管理策略。银行通过提高起存金额实质上收紧了大额存单的供给，旨在优化 负债结构，减少对高成本存款的依赖，从而降低整体负债成本。 薛洪言认为，在期限利率相同的情况下，大额存单相较于普通存款的主要优势 ...

Core Insights - The Yangtze River Delta is one of the most dynamic and innovative regions in China, with 48% of companies listed on the Sci-Tech Innovation Board coming from this area [1] - Technology companies have diverse financing needs at different stages of their lifecycle, which challenges banks to enhance their service capabilities and support for business growth [1] Group 1: Financial Support for Technology Companies - Agricultural Bank of China (ABC) Shanghai Branch approved a comprehensive credit of 100 million yuan for Zhefu Intelligent Systems to alleviate funding pressure as the company experiences rapid growth in orders [1] - ABC Suzhou Branch established a green channel for a biotech company, providing an additional credit of 200 million yuan to accelerate new drug development, which led to the successful approval of a new drug [2] - ABC Zhejiang Branch utilized an innovative dual pledge model of patent and trademark rights to provide a loan of nearly 20 million yuan to a high-tech company facing funding challenges due to continuous R&D investments [3] Group 2: Innovative Financing Models - ABC's approach has evolved from traditional asset evaluation to recognizing intellectual property, allowing for more flexible financing solutions [3] - The bank's smart evaluation model assesses a company's technological capabilities, enabling differentiated credit limits based on technology rather than just asset flow [3] - As of now, ABC's technology loan balance in the Yangtze River Delta exceeds 1.5 trillion yuan, with an increase of over 250 billion yuan this year, indicating a solid path for financial support of technological innovation [3]

12月2日，一则关于《男子取款170万在银行门口遭抢致重伤，当事人认为银行保安未帮忙应 担责》的信息在网络传播，引发关注。 位于河南郑州的 当事银行网点农业银行中牟白沙支行 也作出了相应回应。 针对其中涉及的部分细节， 《金融时报》 记者再次进行了核实。 首先是事发时间线。 现场监控显示，当事人于2024年7月2日 11时46分 在农业银行中牟白沙支行办理业务后，行 至网点西侧约25米处，在将装有钱款的行李箱放于其车辆后备箱时，遭遇歹徒抢劫，后双方 发生搏斗。 11时48分， 歹徒作案后骑摩托车向东逃离。 其次是当事银行网点是否报警。 来源：金融时报客户端 巅峰对话 投资热点说 ETF风向标 IPO情报站 fe o 1 ■ a a - 444 and 4 4 CHINAFUND CHINAFUND CHINAFUND CHINAFUND 开盘速递 港股日报 全球早班车 数说人物 √ � [ 8 a 4 a g a d 4 4 4 CHINAFUND CHINAFUND CHINAFUND CHINAFUND ●微信搜一搜( 〔 〔 中国基金报 〕即刻获取财经资讯 农业银行中牟白沙支行相关负责人表示，事发时，网 ...

每经编辑｜程鹏 经鉴定，倪某某的损伤程度已构成重伤二级，左眼视力损害评为八级伤残。倪先生说："我的一只眼睛因此失明。" 倪先生说，今年2月作出一审判决，歹徒被判死缓，"他在法庭上说，自己在银行门口蹲点好几天才等到我的，并承认了全部罪行，没有提出上诉。"倪先 生提出了38万元的刑事附带民事赔偿，但法院只判赔偿7.3万余元。 12月2日，一则有关"男子取款170万在银行门口遭抢致重伤，当事人认为银行保安未帮忙应担责"的消息在网上引发关注。 针对上述事件，智通财经记者采访了中国农业银行中牟县支行。 该支行表示：经核实，事件发生于2024年7月2日，监控显示该客户于11时46分在农业银行中牟白沙支行办理业务后，行至网点西侧约25米处遭遇歹徒抢 劫。11时48分，歹徒作案后骑摩托车向东逃离，银行保安及工作人员因视线被车辆遮挡，未马上发现抢劫过程。11时54分，银行工作人员拨打110报警， 同时拨打120急救电话救助客户。11时57分，救护车与警方先后抵达现场，救护车将客户送医救治，警方同步到场管控。当日下午，歹徒被警方成功抓 获。目前该案已判决。 "事件发生后，我行高度重视，积极配合相关部门开展案件调查，相关负责人多次 ...

Core Viewpoint - Major state-owned banks in China have completely stopped offering 5-year large denomination certificates of deposit (CDs), with some joint-stock banks and city commercial banks also following suit by reducing long-term deposit products [1][9]. Group 1: Changes in Deposit Products - The six major state-owned banks have significantly shortened the maturity structure of their large denomination CDs, now only offering products with maturities of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [3][9]. - The interest rates for the 3-year large denomination CD is 1.55%, while the 1-year and 2-year products have interest rates of 1.20% [3]. Group 2: Withdrawal of 5-Year CDs - The 5-year large denomination CDs have been removed from the product offerings of several banks, including China Bank, Construction Bank, and Postal Savings Bank, with no trace of 5-year products in Agricultural Bank's catalog from 2018 to 2025 [9][10]. - The withdrawal of 5-year large denomination CDs has been a gradual process, as evidenced by China Bank's earlier announcement in May 2023, which included 5-year products but was limited to specific customers [9][10]. Group 3: Availability of Other Maturities - The 3-year large denomination CDs have also become scarce this year, with banks like China Merchants Bank confirming that both 3-year and 5-year options are no longer available [11]. - The longest available term for large denomination CDs is now 2 years, with an interest rate of 1.40% [11].

Core Insights - The rise of "bank direct supply housing" has garnered attention due to its price advantages, but complexities and risks associated with certain properties deter ordinary buyers [2][18] - Major banks are accelerating asset liquidation as year-end approaches, with significant volumes of properties being auctioned through platforms like Alibaba and JD [4][20] - Despite attractive pricing, many properties are facing high rates of unsold listings and repeated auctions, indicating a lack of buyer interest [9][25] Group 1: Definition and Market Dynamics - "Bank direct supply housing" refers to properties obtained by banks through judicial processes after borrower defaults, allowing banks to sell with complete ownership [6][22] - The volume of properties listed for sale has surged, with banks like Lanzhou Bank and Jilin Bank significantly increasing their offerings, indicating a shift in asset disposal strategies [7][23] - The recovery rate for non-performing assets through direct sales is reported to be 15%-20% higher than traditional debt transfer methods, enhancing banks' efficiency in asset management [7][23] Group 2: Pricing and Market Response - "Bank direct supply housing" typically offers prices 20%-30% lower than market evaluations, with some properties discounted by over 50% [8][24] - Despite these discounts, many properties remain unsold, with over 9,000 listings entering second auction phases, highlighting a disconnect between pricing and buyer demand [9][25] - Specific examples illustrate the challenges, such as properties that failed to attract bids even after price reductions, indicating potential issues with property desirability [11][27] Group 3: Risks and Considerations - Buyers are cautioned to scrutinize the reasons behind low pricing, as properties may have underlying issues such as lack of liquidity or legal complications [30][32] - The cleanliness of the asset is a critical factor, as buyers must ensure that properties are legally compliant and free from outstanding debts or occupancy issues [30][32] - The expansion of bank direct sales poses both risks and opportunities for real estate agents, as banks may require professional assistance in property sales despite not traditionally being in the real estate business [30][32]

Core Viewpoint - The recent collective withdrawal of 5-year large deposits by six major state-owned banks has raised concerns among ordinary depositors regarding asset allocation [2][13]. Group 1: Withdrawal of Long-term Deposit Products - Six major state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China, have completely stopped offering 5-year large deposits [2][13]. - The exit of 5-year large deposits is not sudden; for instance, Bank of China had previously announced the sale of various deposit terms, including 5-year deposits, but limited them to specific customers [8][19]. - The availability of 3-year large deposits has also become scarce, with some banks indicating that the longest available term is now 2 years at a rate of 1.40% [10][21]. Group 2: Impact on Depositors - The reduction of long-term deposit products has left ordinary depositors in a dilemma regarding asset allocation, as many are uncertain about where to place their funds [11][22]. - A representative case is highlighted where a depositor with 1 million yuan intended to invest in a 5-year large deposit for stable returns but found no available options [11][22]. Group 3: Industry Response and Trends - The trend of withdrawing long-term deposit products reflects banks' reluctance to absorb higher-cost long-term liabilities due to pressure on interest margins, leading them to lower rates or reduce the supply of long-term products [11][22]. - The industry is being compelled to accelerate transformation, with suggestions for banks to expand non-interest income through wealth management and custodial services while stabilizing net interest margins [11][22].

Core Insights - The article focuses on the performance of minimum holding period RMB public offering products, ranking them based on annualized returns for holding periods of 7, 14, 30, and 60 days [1][4][12] Group 1: 7-Day Holding Period Products - The top-performing product is from Minsheng Bank with an annualized return of 4.17% [3] - Other notable products include: - Huishang Bank with 3.58% [3] - Bank of China with 2.96% [3] - Minsheng Bank's Fuzhu Pure Bond with 2.54% [3] - Bohai Bank with 2.39% [3] Group 2: 14-Day Holding Period Products - Minsheng Bank's product "Jingxiang Fixed Income Incremental Dual-Week" leads with a return of 34.68% [5] - Other significant products include: - Minsheng Bank's Fuzhu Pure Bond with 5.66% [5] - WeBank's "Anying" Stable Income with 4.47% [5] - SPDB's "Wealth Management Series" with 2.33% [5] Group 3: 30-Day Holding Period Products - Minsheng Bank's "Guizhu Fixed Income Incremental Monthly" tops the list with a return of 21.23% [9] - Other key products include: - Minsheng Bank's Fuzhu Fixed Income with 13.53% [9] - Bank of China with 7.64% [9] - Huishang Bank's "Happiness 99" with 6.07% [9] Group 4: 60-Day Holding Period Products - The leading product is from Minsheng Bank with a return of 15.12% [13] - Other notable products include: - CITIC Bank's Fuzhu Pure Bond with 8.94% [14] - Bank of China with 4.57% [14] - Huishang Bank's product with 3.46% [14]

据澎湃新闻，12月2日，一则有关"男子取款170万在银行门口遭抢致重伤，当事人认为银行保安未帮忙应担责"的消息在网上引发关注。 推荐阅读 1. 郑栅洁：提高居民收入在国民收入分配中的比重 2. 六大行，全面停售5年期大额存单 3. 外交部：任何外部势力胆敢介入台海事务，我们必将迎头痛击 4. 广汽埃安致歉 5. 福建板块，逆势爆发 6. 2025年十大流行语公布 7. 事关光刻技术，特朗普政府拟入股 8. 【大佬持仓跟踪】AI算力+消费电子+机器人，公司产品应用于多个AI客户的TPU的电源解决方案，推出了448G的高速互联产品 9. 英首相发表涉港言论，中方：英方没有资格、没有权利说三道四、横加干涉 10. 福建：支持台胞开设沙县小吃门店 11. 欧盟撤销对华诉讼 12. 沪指跌0.55%，深成指跌0.77%，创业板指跌0.88% 13. 谷歌TPU产量，2027年或达500万块 该支行表示： 经核实，事件发生于2024年7月2日，监控显示该客户于11时46分在农业银行中牟白沙支行办理业务后，行至网点西侧约25 米处遭遇歹徒抢劫。 11时48分，歹徒作案后骑摩托车向东逃离，银行保安及工作人员因视线被车辆遮挡， ...