根据六大行官方手机银行显示，工商银行"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。而中国银行、建设 银行、交通银行及邮储银行的 5年期产品均已从在售列表中移除 。农业银行2018年至2025年的人民币个人大额存单产品目录中，也并未出现 过5年期大额存单产品。 各银行 存款期限结构已明显"短期化" 。 今年以来，银行业存款产品结构迎来显著调整，长期大额存单成为"离场主力"。根据公告显示，年内已有多家股份银行及城商行下架了旗下 的3-5年期的大额存单产品。这一调整背后，是银行业面临的多重经营压力与政策导向的共同作用。首要原因是净息差持续收窄的生存压力。 金融监管总局数据显示，2025年三季度商业银行净息差保持在1.42%的低位水平，其中民营银行净息差环比还在持续下降。在贷款利率持续走 低的背景下，银行资产端收益不断收缩，而长期大额存单作为高成本负债，其利息支出与贷款收益的利差已逼近盈亏线。 此外，随着净息差承压态势仍将持续，利率市场化改革不断深化，未来将有更多银行跟进调整长期限存款产品， 短期化、低利率、严管控将 成为存款市场的常态。 编辑丨兰银帆 审核丨许晨辉 往期回顾 Revi ...

六大行全面停售5年期大额存单 "我跑了两家大行网点，5年期大额存单都停售了，就连3年期的都得靠'抢'，额度一出来很快就没了，关键利率还比去年降了不少。"家住北京市的王女士 告诉记者，她手中的50万元闲置资金本想配置长期大额存单以求稳健收益，如今却陷入了"无处可放"的困境。 王女士的遭遇并非个例。记者近期调研发现，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。 记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明显"短期化"。工商银行"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。其中，3年期大额存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。 实际上，在5年期大额存单产品难觅踪影的同时，今年以来，3年期大额存单产品"缺货"也成为了常态。 "3年期和5年期大额存单都已经停售了，目前时间最长的就是2年期的，利率是1.40%。"12月2日，记者向招商银行客服人员核实后发现，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，"普通定期存款 ...

Core Viewpoint - The large-denomination time deposit products offered by major banks in China have shifted towards shorter maturities, with longer-term options being removed from availability [1] Summary by Category Product Offerings - The Industrial and Commercial Bank of China (ICBC) currently offers large-denomination time deposits with maturities of 1 month, 3 months, 6 months, 1 year, 2 years, and 3 years [1] - The interest rate for the 3-year large-denomination time deposit is 1.55%, while the rates for the 1-year and 2-year products are both 1.20% [1] - Other banks such as Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank exhibit similar trends, having removed 5-year products from their offerings [1] Market Trends - Agricultural Bank of China has not included any 5-year large-denomination time deposit products in its catalog from 2018 to 2025 [1]

人民财讯12月2日电，记者近期调研发现，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。 记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明显"短期化"。工商 银行"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。其中，3年期大额 存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。此外，中国银行、建设银行、交通银行及 邮储银行的产品矩阵呈现相似特征，5年期产品均已从在售列表中移除。在农业银行2018年至2025年的 人民币个人大额存单产品目录中，也并未出现5年期大额存单产品的"踪影"。 （原标题：六大行，集体停售！） 转自：证券时报 ...

（文章来源：第一财经） 据金融时报，记者登录六大行官方APP及手机银行查询时发现，目前各银行大额存单期限结构已明 显"短期化"。工商银行"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。 其中，3年期大额存单产品利率为1.55%，1年期、2年期产品利率均为1.20%。此外，中国银行、建设银 行、交通银行及邮储银行的产品矩阵呈现相似特征，5年期产品均已从在售列表中移除。在农业银行 2018年至2025年的人民币个人大额存单产品目录中，也并未出现5年期大额存单产品的"踪影"。 ...

Core Viewpoint - The major state-owned banks in China have completely stopped offering 5-year large denomination certificates of deposit (CDs), leading to a significant reduction in the availability of long-term deposit products in the market [1][2][6]. Group 1: Bank Actions - 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 ceased the sale of 5-year large denomination CDs [1][2]. - The remaining available terms for large denomination CDs have shifted to shorter durations, with the longest being 3 years, which has a rate of 1.55% [2][6]. - The trend of discontinuing long-term deposit products is not limited to national banks; local commercial banks and private banks are also following suit, as seen with the announcements from banks in Inner Mongolia [10][11]. Group 2: Market Dynamics - The withdrawal of 5-year CDs is attributed to the current downward trend in interest rates, which discourages banks from offering higher rates for long-term deposits [10]. - There is a notable increase in the overall deposit scale due to high savings enthusiasm among residents, while the demand for loans remains weak, leading banks to be less inclined to attract long-term deposits [10]. - Many banks are also reducing deposit rates, with some institutions cutting rates by as much as 65 basis points, reflecting a broader strategy to optimize their liability structure under pressure from interest margins [10][11]. Group 3: Investor Sentiment - The reduction in long-term deposit products has created a dilemma for ordinary depositors, as they struggle to find stable investment options [11]. - A survey indicates a slight decline in the proportion of depositors preferring to save more, suggesting a shift in asset allocation strategies among investors in a low-interest-rate environment [11]. - Financial experts recommend that investors adjust their expectations for returns and consider diversifying their asset allocation to include cash management products, money market funds, and government bonds [11]. Group 4: Industry Implications - The decline of long-term deposit products is prompting banks to accelerate their transformation efforts, focusing on wealth management and custodial services to stabilize non-interest income [11]. - Banks are encouraged to enhance their strategies on both asset and liability sides to maintain net interest margins amidst changing market conditions [11].

Core Viewpoint - The "Social Insurance and Banking Integration" service point in Binhai District, Weifang City, Shandong Province has been officially launched, aiming to enhance public awareness and accessibility of social insurance and medical insurance policies [1] Group 1: Service Launch and Objectives - The new service point is a collaboration between the Social Security and Medical Insurance Center and China Construction Bank, focusing on promoting social insurance policies and benefits to the public [1] - Activities at the launch included policy explanations and distribution of promotional materials to help residents understand insurance registration, qualification verification, and other related services [1] Group 2: Service Features and Benefits - The initiative aims to bridge the gap in social security services in urban and rural areas by leveraging the extensive network and advanced facilities of bank branches [1] - A total of 22 high-frequency social insurance services, including registration, information changes, and card activation, are now available for convenient access [1] Group 3: Future Plans - The district plans to further deepen the cooperation between social insurance services and financial services, expanding the range of services and standardizing service quality [1] - The goal is to enhance the efficiency of service delivery, ensuring that residents experience a streamlined process for accessing social insurance benefits [1]

服务协同，助力企业竞速全球化浪潮 企业"走出去"正迎来黄金时代，跨境金融服务的提质增效也进入新发展期。在跨境金融创新的浪潮中，建行上海市分行是先行者也是主力军。 2025年6月，作为首批试点银行，建行上海市分行在跨境金融服务平台上为多家企业完成了新型离岸贸易业务信息登记、海运提单核验及入账签注，进一步 将《上海国际金融中心进一步提升跨境金融服务便利化行动方案》落到实处。 这是建行上海市分行服务企业"走出去"的一个缩影。刘军介绍，聚焦上海国际金融中心建设，"建设银行上海全球金融服务中心"2024年揭牌成立，以此作为 跨境金融服务窗口和全球金融服务网络支点，搭建全球金融服务协调机制，统筹总分行、境内外金融服务协同，构建"一点接入，全球响应"的标准化服务体 系。 新华财经上海12月2日电（记者 王淑娟）迭代推出"技术流""价值流"科创评价体系，落地全国首笔"区块链+数字人民币"数据贷，打造"跨境金融服务"的样板 窗口，创新打造《流金岁月》养老金融手册，推出上海市首个面向中小微企业的碳服务普惠金融项目"碳数贷"……近几年来，建行上海市分行服务上海"五 个中心"建设，在浦江之畔奋力绘就金融高质量发展的新篇章。 近期，记 ...

Core Points - The 20th "Golden Roundtable Award" ceremony for Chinese listed companies was held in Jiangyin, attended by over 200 guests including executives, scholars, and media representatives, highlighting achievements in corporate governance [1][2][3] - The event recognized over 100 listed companies with a total market value exceeding 10 trillion, including 16 companies with market values over 100 billion [1][2] Group 1 - The opening speech by Li Zhenqiang emphasized the importance of the "Golden Roundtable Award" as a platform for consensus and wisdom, aiming to support the transformation and upgrading of Chinese listed companies [2][3] - Jiangyin's Vice Mayor Ji Zhen highlighted the city's achievements as a manufacturing hub, with 66 listed companies and a total market value exceeding 300 billion, positioning Jiangyin as a leader among county-level cities [5][6] Group 2 - Liu Yunhong, a professor, discussed the development of corporate governance rules in China, identifying six key issues in current practices and advocating for a shift from "formal compliance" to "substantive effectiveness" [12] - Zhu Zhengyi shared insights from Longji Technology's acquisition of Xingke Jinpeng, emphasizing the strategic role of corporate secretaries in governance [12][13] - Su Mei analyzed the trends in the A-share market under the registration system, stressing the importance of value management for high-quality development [15] Group 3 - The award ceremony recognized outstanding companies and individuals in various categories, including "Most Influential Independent Director" and "Excellent Board of Directors," showcasing achievements in governance and value creation [18][20][33] - The "Best Board of Directors" award was presented to leading companies such as Weichai Power and China Ping An, reflecting their exemplary governance practices and strategic foresight [33][36]

2025年11月26日，抚州金融监管分局发布批复称，建设银行《建设银行江西省分行关于舒颖偲任职资格 核准的请示》（建赣报〔2025〕136号）收悉。经审核，现批复如下： 二、建设银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自建设银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由抚州金融监管分局办理行政许可注销手续。 三、建设银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准舒颖偲建设银行抚州市分行行长的任职资格。 ...