【多家银行5年期大额存单下架】5月29日讯，据报道，5月下旬，对18家银行（6家国有大行、12家全国性股份制银行）通过线下网点走访、电话咨询，以及手机银行的信息综合统计发现：5年期大额存单基本下架；3年期大额存单依然在售，部分机构的额度紧张或仅针对特定白名单客户；2年期及以下大额存单产品的额度充足。有分析人士称，大额存单发行收紧是因为市场利率下行和银行资金成本管理的需要所致。宏观经济环境和货币政策的变化带来市场利率整体下行，银行相应调整大额存单的发行利率。同时，银行面临资金成本压力，不愿意以较高的成本吸收长

Core Insights - Major banks have suspended the issuance of 5-year large-denomination certificates of deposit (CDs) due to market interest rate declines and the need for better management of funding costs [1] Group 1: Market Trends - A survey of 18 banks, including 6 state-owned banks and 12 national joint-stock banks, revealed that 5-year large-denomination CDs are largely unavailable [1] - The 3-year large-denomination CDs remain available, but some institutions face tight quotas or only offer them to specific whitelist customers [1] - There is an ample supply of large-denomination CDs with maturities of 2 years or less [1] Group 2: Economic Factors - Analysts suggest that the tightening of large-denomination CD issuance is a response to the overall decline in market interest rates driven by changes in the macroeconomic environment and monetary policy [1] - Banks are under pressure regarding funding costs and are reluctant to absorb long-term deposits at higher costs [1]