独家｜亿联银行陷3年定存“提前兑付”风波，高息存款背后疑存“第三方加息”

Core Viewpoint - The news revolves around Yilian Bank's decision to potentially redeem a specific deposit product early, which has raised concerns among customers regarding interest loss and the bank's financial practices [1][2]. Group 1: Early Redemption of Deposit Products - Yilian Bank is reportedly considering early redemption of its "3-Year Exclusive Deposit" product, which has a comprehensive annual interest rate of 4.2% [1][2]. - Customers have expressed concerns that early redemption would result in a loss of nearly one year of interest, as the product was originally set to mature in September 2026 [2]. Group 2: Interest Rate Structure - The "3-Year Exclusive Deposit" product's interest rate consists of a base rate of 2.95% plus an additional 1.25% linked to a third-party incentive related to the "Deposit Insurance Regulations," resulting in a total of 4.2% [2]. - Other deposit products from Yilian Bank also feature similar structures, such as the "Good Yilian 32-Day" product with a total rate of 3.6% and the "Exclusive 366-Day" product with a total rate of 3.8% [3]. Group 3: Third-Party Involvement - Customers are required to sign an agreement with a third party, Hunan Chengshengde Technology Co., Ltd., to receive the additional interest, indicating that the incentive rates are not fixed and may fluctuate [4]. - Hunan Chengshengde has previously been involved in Yilian Bank's promotional activities, raising concerns about the legitimacy of these practices [5]. Group 4: Financial Performance and Challenges - Yilian Bank has faced declining revenues and profits since 2020, with a reported net loss of 5.9 billion in 2024, making it the only loss-making bank among 19 private banks that year [7]. - The bank's total assets and liabilities have both significantly decreased, with total assets dropping by 21% to 408.22 billion and total liabilities also down by 21% to 379.66 billion by the end of 2024 [8]. - The bank's heavy reliance on personal fixed deposits, which account for over 84% of its deposit balance, has created pressure, especially in a declining interest rate environment [8].