专家：银行下架5年期大额存单是降低负债成本之举

Core Viewpoint - Major Chinese banks, including ICBC, CCB, and CMB, have recently suspended the issuance of 5-year large-denomination certificates of deposit (CDs) as a strategy to reduce funding costs amid low net interest margins in the banking sector [1] Group 1: Banking Sector Actions - Several large and medium-sized commercial banks, along with rural commercial banks, have withdrawn 5-year large-denomination CDs from the market [1] - The issuance volume of 3-year large-denomination CDs has also decreased significantly [1] Group 2: Financial Strategy - The banking industry is currently facing low net interest margins, prompting banks to explore ways to stabilize these margins by reducing funding costs [1] - Deposits are a primary source of liabilities for banks, making it essential to lower the costs associated with deposits [1] Group 3: Expert Recommendations - Experts suggest that in a low-interest-rate environment, households should adopt a "fixed income +" strategy by allocating investments in medium- and short-term bond funds [1] - Additionally, global asset allocation is recommended to capture economic growth opportunities worldwide [1]