多家银行长期限大额存单“退场”，利率普降至“1”字头

Group 1 - The long-term large-denomination certificates of deposit (CDs) are gradually disappearing from the market, with major banks like ICBC, CCB, and others removing five-year products and reducing three-year offerings [1][2] - The interest rates for large-denomination CDs have significantly declined, with three-year rates dropping to around 1.55%, down from approximately 2% just three months ago, resulting in a loss of nearly 2000 yuan in interest for a 200,000 yuan deposit [1][2] - Smaller banks are also joining the trend of lowering interest rates, with banks like Tianjin Bank and Blue Ocean Bank reducing their three-year CD rates to 2.05% and 2.30% respectively [2] Group 2 - The situation among banks in Hunan province shows divergence, with Changsha Bank completely removing large-denomination CDs, while Hunan Bank offers various terms with rates up to 1.8% for three and five-year products [2] - The core reason for the reduction in long-term large-denomination CD offerings and interest rates is to lower funding costs and maintain a reasonable net interest margin, as banks face historically low net interest margins and declining loan rates [2] - The attractiveness of large-denomination CDs is diminishing, as alternative products like Tianhong's Yu'ebao are offering competitive rates with lower entry barriers, making traditional CDs less appealing [2]