"昨天刚收到的通知，现在只有3年期大额存单了，广州所有网点5年期的都已经取消。"12月3日，某国 有大行网点客户经理在接受南都湾财社记者采访时直言。 五年期大额存单集体"隐身"？记者查询工商银行、农业银行等六大国有行APP及官网发现，曾是储户长 期理财首选的五年期大额存单已集体下架，仅剩的三年期产品利率普遍回落至1.55%左右，且不同产品 设置了20万元、100万元乃至500万元的分级准入门槛，部分热门额度已显示"售罄"。这一集体动作背 后，是银行业净息差持续收窄的行业性压力。 从额度紧张到彻底消失？ 六大国有行5年期大额存单集体下架 曾被银行业视为稳存揽储"压舱石"的大额存单，正迎来长期限产品的集中退场。 在利率市场化持续深化、银行净息差承压的行业背景下，南都湾财社记者近日登陆工商银行、农业银 行、中国银行、建设银行、交通银行、邮储银行六大国有行官方APP查询核实，5年期大额存单已全面 从线上在售产品列表中"下架"，核心供给集中于3年期及以下期限。 具体来看，工商银行"大额存单"栏目下仅保留1个月、3个月、6个月、1年、2年、3年六个期限选项，其 中3年期产品年利率为1.55%，1年期、2年期产品利率统一降 ...

智通财经APP讯，中国天保集团(01427)发布公告，本公司拟订立一份企业担保协议，向中国建设银行股 份有限公司怀来支行(该银行)提供一笔最高金额为人民币8亿元的担保(担保)。该担保旨在保证本公司全 资附属公司怀来天保康养服务有限公司(怀来康养)(作为借款人)根据其与该银行(作为贷款人)订立的银行 融资协议(融资协议)妥为履行相关义务。该银行授出一笔长期贷款，将于2041年7月到期，利率为中国 贷款市场报价利率减60个基点，年度还款总额乃根据天保京北健康城业务发展设定。 董事局认为订立融资协议及提供担保的目的乃为怀来康养的业务运营提供有利融资资源，以强化其现金 流量管理及天保京北健康城的发展。 ...

Core Insights - The digital RMB pilot is expanding in application scenarios, with the Beijing branch of the Construction Bank focusing on serving state-owned enterprises and cross-border settlements, contributing to the capital's "two zones" construction and the global digital economy benchmark city development [1] Group 1: Digital Currency Applications - The Beijing branch of Construction Bank, in collaboration with a financial company, launched a group digital currency direct connection and treasury settlement project, leveraging advantages like "loadable smart contracts" and "no transaction fees" to enhance corporate treasury management efficiency [2] - At the 2025 China International Fair for Trade in Services, Construction Bank showcased its achievements in building a financial powerhouse and promoting the real economy, including a section dedicated to digital currency, where visitors could open digital wallets and experience convenient consumption [3] Group 2: Cross-Border Payment Solutions - The Beijing branch utilized the mBridge platform to facilitate a 6.75 million RMB cross-border remittance for a state-owned enterprise subsidiary, highlighting the efficiency, low cost, and high security of the digital currency cross-border payment solutions [4] - The mBridge platform, based on distributed ledger technology, enables real-time settlement across jurisdictions, providing a tailored cross-border payment solution that enhances payment efficiency and reduces costs for enterprises [4]

Core Insights - The article emphasizes the importance of small and micro enterprises as vital components of the market economy and regional economic development, highlighting their persistent challenges in financing [2][11] - Suzhou's Construction Bank has innovatively shifted its financial service model to a "circle-chain-group" approach, effectively addressing the financing needs of various small and micro enterprises [2][11] Group 1: Financing Challenges and Solutions - Small and micro enterprises in Suzhou face significant financing difficulties, including high costs and slow access to funds, which hinder their growth [2][11] - Suzhou Construction Bank has served over 57,000 clients with inclusive loans, achieving a loan balance exceeding 100 billion yuan by October 2025 [2][10] - The bank's approach includes evaluating the future potential of enterprises rather than solely relying on past financial statements, thus facilitating loans for technology-driven companies without traditional collateral [4][5] Group 2: Innovative Financial Products - The "Open Business Upgrade Loan" allows the bank to assess non-financial indicators such as technology potential and team quality, enabling support for companies in different lifecycle stages [4][5] - The "Factory Quick Loan" product has been designed to help manufacturing companies unlock capital tied up in fixed assets, with nearly 1,400 enterprises served and a total loan amount exceeding 27 billion yuan [9][10] Group 3: Ecosystem and Collaborative Financing - The "circle-chain-group" strategy integrates small and micro enterprises into a cohesive ecosystem, enhancing customer identification and risk management [11][12] - By collaborating with industrial park management, the bank can better understand the financing needs of enterprises, leading to tailored financial products that improve service efficiency [5][11] - This model not only addresses financing challenges but also supports regional industrial upgrades and sustainable business development [12]

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 国家知识产权局信息显示，中国建设银行股份有限公司取得一项名为"一种次索引转存方法、装置、设 备及存储介质"的专利，授权公告号CN 114090622 B，申请日期为2021年11月。 天眼查资料显示，中国建设银行股份有限公司，成立于2004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25001097.7486万人民币。通过天眼查大数据分析，中国建设银行股份有 限公司共对外投资了1037家企业，参与招投标项目5000次，财产线索方面有商标信息1908条，专利信息 5000条，此外企业还拥有行政许可149个。 ...

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].

Core Viewpoint - The China Construction Bank (CCB) emphasizes high-quality development as its primary task during the "14th Five-Year Plan" period, focusing on enhancing its capabilities in serving national construction, preventing financial risks, and participating in international competition [1][11]. Group 1: Financial Performance - As of September 2025, CCB's total assets exceeded 45 trillion yuan, a 61% increase from the end of 2020, while total liabilities surpassed 41 trillion yuan, growing by 62% [1]. - The bank's technology loans reached a balance of 5.26 trillion yuan, serving over 300,000 enterprises, establishing itself as a reliable financial partner for technological innovation [7]. - CCB's inclusive finance loan balance reached 3.81 trillion yuan, 2.63 times higher than at the end of 2020, serving 3.7 million loan customers [8]. Group 2: Governance and Leadership - CCB integrates the leadership of the Communist Party into its management processes, ensuring that political advantages are transformed into effective financial governance [2]. - The bank has improved its corporate governance structure, enhancing decision-making quality and efficiency through a dual-entry and cross-appointment leadership system [2]. Group 3: Risk Management - CCB has established a comprehensive risk management system to prevent systemic financial risks, focusing on early identification and resolution of risks in key areas such as real estate and local government debt [12]. - The bank has implemented the "Blue Core" project, a self-developed risk management system, to enhance its risk control capabilities across all business processes [12]. Group 4: Talent Development - CCB has made significant progress in talent development, adhering to the principle of party leadership in talent management and implementing a mechanism for selecting and appointing cadres [4]. - The bank has launched a program to cultivate outstanding young and middle-aged cadres, fostering a high-quality professional talent pool [4]. Group 5: Innovation and Services - CCB is advancing its "Five Major Articles" strategy, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance to provide high-quality financial services [7][8][9]. - The bank has developed a diversified service system for green finance, with a green loan balance of 5.89 trillion yuan and over 250 billion yuan invested in green projects [7]. Group 6: International Competitiveness - CCB is enhancing its international competitiveness by supporting the Belt and Road Initiative and providing comprehensive financial services for cross-border projects [12]. - The bank has organized over 440 cross-border matchmaking events, serving more than 27,000 domestic and foreign enterprises [12]. Group 7: Reform and Development - CCB is committed to deepening reforms to enhance its operational efficiency and service quality, aligning with national development strategies [15][16]. - The bank has established a unified management framework to optimize its internal systems and improve customer service [16][17]. Group 8: Future Outlook - CCB plans to align its strategies with the "15th Five-Year Plan," focusing on high-quality development and contributing to the modernization of China's economy [18].

Core Insights - The event celebrating the 10th anniversary of China Construction Bank's Paris branch highlighted the deepening Sino-French financial cooperation and the potential for collaboration in green development and technological innovation [1][2][3] Group 1: Financial Cooperation - The Chinese Embassy in France emphasized the importance of financial institutions like China Construction Bank in enhancing Sino-French trade and investment [1] - The Paris branch has integrated into the local financial ecosystem, showcasing China's large financial institutions as stable and professional [2] - The bank aims to facilitate the "going out" of Chinese enterprises and the "bringing in" of French enterprises, optimizing resource allocation and promoting efficient flow of factors [2][3] Group 2: Market Opportunities - The event featured discussions on new opportunities in green finance, digital economy, and cross-border investment, indicating a new cycle of capital cooperation between China and France [2] - The bank presented its capabilities in panda bond issuance, RMB asset allocation, and cross-border financing, which garnered significant interest from attendees [3] - Participants expressed confidence in China's market openness and the transparency of its policies, which enhances certainty in business collaborations [3]

登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：华夏基金管理有限公司 基金托管人：中国建设银行股份有限公司 重要提示 1、华夏沪深300指数量化增强型证券投资基金（以下简称"本基金"）已获中国证监会2025年7月24日证 监许可〔2025〕1593号文准予注册。 2、本基金是契约型开放式股票型基金。 3、本基金的基金管理人及登记机构为华夏基金管理有限公司（以下简称"本公司"），基金托管人为中 国建设银行股份有限公司。 4、本基金的募集对象为符合法律法规规定的可投资于证券投资基金的个人投资者、机构投资者、合格 境外投资者以及法律法规或中国证监会允许购买证券投资基金的其他投资人。 5、本基金自2025年12月8日起至2025年12月26日（含）通过基金份额发售机构公开发售，具体业务办理 时间参见本发售公告及基金管理人后续发布的相关公告，各销售机构具体业务办理时间以其各自规定为 准。本基金的募集期限不超过3个月，自基金份额开始发售之日起计算。本公司也可根据基金销售情况 在募集期限内适当延长或缩短基金发售时间，并及时公告。基金管理人可合理调整发售期并公告。 6、本基金首次募集总规模上限为人民币 80 亿 ...

Core Viewpoint - Several banks, including China Construction Bank, have raised the risk levels of their distributed public funds, driven by stricter regulations and changing market conditions [1][2]. Group 1: Risk Level Adjustments - China Construction Bank announced an increase in risk levels for 87 public fund products, with 32 products moving from R2 (low to medium risk) to R3 (medium risk) and 55 products from R3 to R4 (medium to high risk) [2]. - Other banks, such as Minsheng Bank, have also adjusted risk levels for their distributed funds multiple times this year, indicating a broader trend across the banking sector [2][3]. Group 2: Market Environment Impact - The increase in risk levels is linked to rising volatility in the bond market, which affects the stability of bond fund net values, and the upward movement in equity markets, which increases the volatility of mixed funds [3]. Group 3: Implications for Wealth Management - More accurate risk ratings help banks fulfill their suitability management obligations, reduce future complaints and litigation risks, and enhance their brand reputation [4]. - However, the short-term challenge includes potential mismatches between the new risk levels and existing customer risk tolerances, which may lead to increased redemption rates and pressure on sales commissions [4]. Group 4: Investor Considerations - The adjustment in risk levels directly impacts ordinary investors, who may face decisions regarding redemption or reallocation of their investments due to mismatches in risk tolerance [4]. - Long-term, these adjustments are seen as a protective measure for investor rights, promoting transparency in risk disclosure and helping investors set realistic expectations [4]. Group 5: Recommendations for Investors - Investors are advised to reassess their risk tolerance, review their current holdings against new risk levels, and diversify their portfolios to mitigate risks [5]. - It is also recommended that investors focus on understanding product details beyond just risk ratings and maintain patience with quality products aligned with long-term goals [5].