Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a "neural network-based product recommendation method, device, and computer equipment" with the announcement number CN114187064B, applied for on November 2021 [1] - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 million RMB [1] - The bank has made investments in 36 companies, participated in 5,000 bidding projects, and holds 1,908 trademark records and 5,000 patent records, along with 149 administrative licenses [1]

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，中国建设银行股份有限公司取得一项名为"一种系统测试的方法和装置"的专 利，授权公告号CN113468055B，申请日期为2021年7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26160038.1459万人民币。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36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。 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"数据存储处理方法、装置、设备 及存储介质"的专利，授权公告号CN116506424B，申请日期为2023年4月。 建信金融科技有限责任公司，成立于2018年，位于上海市，是一家以从事软件和信息技术服务业为主的 企业。企业注册资本172972.9729万人民币。通过天眼查大数据分析，建信金融科技有限责任公司共对 外投资了6家企业，参与招投标项目4213次，财产线索方面有商标信息297条，专利信息5000条，此外企 业还拥有行政许可10个。 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26160038.1459万人民币。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36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。 来源：市场资讯 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。 ...

Core Viewpoint - Major Chinese banks, including Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, and Postal Savings Bank, have collectively adjusted their deposit products, particularly reducing the availability of medium to long-term deposit offerings as year-end savings demand increases [1][3]. Group 1: Changes in Deposit Products - Many customers, such as a resident in Beijing, have reported difficulties in finding suitable 5-year large-denomination certificates of deposit (CDs) as these products are no longer displayed by major banks [3]. - The interest rates for 3-year related products have dropped to between 1.5% and 1.75% across various banks [3]. - Smaller banks are also following suit, with institutions like Meizhou Commercial Bank and Yilian Bank removing 5-year fixed deposit products from their offerings [5]. Group 2: Reasons for Adjustments - The withdrawal of long-term deposit products is a response to the ongoing decline in banks' net interest margins, driven by falling loan rates that have significantly reduced asset yields [5]. - Analysts suggest that banks are compelled to eliminate high-interest long-term products to avoid severe interest margin losses or potential deficits, which could threaten their long-term stability and pose systemic risks [5]. Group 3: Implications for the Banking Sector - The adjustments in deposit products are expected to enhance the certainty of banks' profit forecasts, providing fundamental support for valuation recovery, particularly for large banks with low-cost liabilities and high dividend yields [6]. - The reduction in deposit rates may lead to a "deposit migration" effect, where funds seeking higher returns move from the banking system to capital markets, potentially benefiting direct financing markets [6].

Group 1 - The State Intellectual Property Office of China has granted a patent to China Construction Bank Corporation and Jianxin Financial Technology Co., Ltd. for a method and device for location area detection, with the patent announcement number CN116188565B and application date of September 2022 [1] - China Construction Bank Corporation, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has invested in 36 companies, participated in 5,000 bidding projects, and holds 1,908 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 2 - Jianxin Financial Technology Co., Ltd., founded in 2018 and based in Shanghai, focuses on software and information technology services, with a registered capital of 172,972.9729 thousand RMB [1] - The company has invested in 6 enterprises, engaged in 4,213 bidding projects, and possesses 297 trademark records and 5,000 patent records, in addition to 10 administrative licenses [1]

Core Viewpoint - The recent decrease in medium to long-term deposit products in the market is attributed to banks' responses to the ongoing decline in net interest margins, leading to a reduction in the availability of five-year large certificates of deposit (CDs) and lower interest rates on three-year products [3][5][6]. Group 1: Market Trends - There is a noticeable reduction in the availability of five-year large CDs among major banks, with interest rates for three-year products dropping to between 1.5% and 1.75% [3]. - Smaller banks are also adjusting their deposit offerings, with some, like Meizhou Commercial Bank, announcing the removal of five-year fixed deposit products [5]. - The trend of withdrawing long-term deposit products is not limited to national banks but is also seen in local and private banks [5]. Group 2: Banking Sector Implications - The withdrawal of long-term deposit products is a necessary response to the challenges posed by declining bank net interest margins, as banks face significant risks of interest margin losses if they do not eliminate high-interest long-term products [5]. - Analysts suggest that this shift will enhance the certainty of banks' profit expectations, particularly benefiting large banks with low-cost liabilities and high dividend yields, making them more attractive to long-term investors [6]. - The reduction in deposit rates may lead to a "deposit migration" effect, where funds move from the banking system to capital markets, potentially increasing liquidity in stocks, bonds, and funds, which could positively impact direct financing markets [6].

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a "data intersection method, device, and electronic equipment," with the authorization announcement number CN115549986B, and the application date was September 2022 [1] - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has made investments in 36 companies, participated in 5,000 bidding projects, and holds 1,908 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 2 - Jianxin Financial Technology Co., Ltd., established in 2018 and located in Shanghai, focuses on software and information technology services, with a registered capital of 172,972.9729 thousand RMB [1] - Jianxin Financial Technology has invested in 6 companies, participated in 4,213 bidding projects, and holds 297 trademark records and 5,000 patent records, along with 10 administrative licenses [1]

Core Viewpoint - The six major state-owned banks in China have collectively withdrawn high-interest five-year large-denomination certificates of deposit (CDs), marking a significant shift in the savings market as they adjust to ongoing pressure on net interest margins [2][3]. Group 1: Changes in Deposit Products - The five-year large-denomination CDs have been completely removed from sale, with searches on banking apps returning results indicating "no products available" or "sold out" [2]. - The minimum investment for three-year large-denomination CDs has increased significantly, with thresholds rising from the traditional 200,000 yuan to between 1 million and 5 million yuan, while the interest rate for a 1 million yuan three-year product is only 1.55%, narrowing the gap with regular savings accounts [3]. Group 2: Impact on Banking Sector - Data from the National Financial Regulatory Administration shows that the net interest margin for commercial banks was only 1.42% in Q3 2025, with predictions indicating a slight narrowing of the decline to around 4 basis points in 2026, marking the first time since 2022 that the annual decline will be in single digits [4]. - The continuous narrowing of net interest margins has been a significant factor affecting bank profitability, prompting banks to withdraw high-interest long-term deposit products to stabilize their margins [5]. Group 3: Shifts in Savings Behavior - The withdrawal of high-interest CDs has led to a migration of funds estimated to be in the hundreds of billions, as the market loses "risk-free high-yield" products [6]. - Despite 62.3% of residents still preferring to save more, this figure has been declining for two consecutive quarters, with a noticeable increase in the willingness to invest [6]. - Different types of savers are adjusting their strategies: conservative savers are sticking to deposit products, while moderate investors are moving towards bank wealth management and "fixed income plus" products, and aggressive investors are beginning to allocate funds to high-dividend stocks and gold ETFs [6].

Group 1 - The article discusses a promotional campaign by China Construction Bank (CCB) offering WeChat discount coupons starting from 0.99 yuan, valid from August 1, 2025, to December 31, 2025 [2] - Users can access the WeChat discount coupons through the CCB app by navigating to the "惠省钱" (Save Money) section and selecting participating merchants [12] - The article outlines the refund policy for the WeChat discount coupons, stating that full refunds will return the discount amount if the coupon is still valid, while partial refunds will return the discount proportionally [14][18] Group 2 - The article emphasizes the importance of updating the CCB app to the latest version to utilize the WeChat discount coupons effectively [7] - It lists various merchants where the WeChat discount coupons can be used, including Meituan, Tmall Supermarket, and Luckin Coffee [7][8] - The customer service hotline for inquiries regarding the discount coupons is provided, available daily from 9:00 AM to 11:00 PM [18]

Core Viewpoint - The article promotes a special promotional event by Ctrip for users of the 62-starting Dragon Card credit card, offering discounts and interest-free installment options for travel purchases during the winter season [2][9]. Group 1: Promotional Details - The promotional period runs from December 1, 2025, to March 31, 2026 [5]. - Users can enjoy discounts based on their purchase amounts: a discount of 15 yuan for purchases over 500 yuan, 100 yuan for over 2000 yuan, and 300 yuan for over 6000 yuan [9]. - The maximum number of users eligible for each discount tier is set at 11,000 for the 15 yuan discount, 6,000 for the 100 yuan discount, and 4,000 for the 300 yuan discount [11]. Group 2: Eligibility and Participation - The promotion is available to holders of the 62-starting Dragon Card credit card (excluding business and special installment cards) who register as Ctrip members [7]. - Each user can only enjoy the discount once per tier, and the discounts cannot be combined [11]. - Users must use their own devices and accounts to participate in the promotion [11]. Group 3: Refund and Terms - If a transaction benefiting from the discount is refunded, the rules state that full refunds will result in the loss of the discount, while partial refunds may allow the user to retain the discount if the remaining order amount exceeds the promotional threshold [11].