亿联银行3年定存提前兑付？客服予以否认，去年个人定存余额降近10%

Core Viewpoint - The recent news regarding Yilian Bank's early redemption of the "3-Year Exclusive Deposit" product has sparked widespread attention, with the bank denying any suspension of deposit products and confirming that the product in question is no longer available for sale [1][2]. Group 1: Early Redemption and Interest Rates - Yilian Bank has decided to redeem the "3-Year Exclusive Deposit" product early, which offers a comprehensive annual interest rate of 4.2%, composed of a base rate of 2.95% and an additional 1.25% from a third-party collaboration [1][2]. - The bank's customer service has stated that there is no suspension of any deposit products and that any adjustments would be announced in advance [1][2]. Group 2: Third-Party Collaboration - The third-party involved in the additional interest rate is Hunan Chengshengde Technology Co., Ltd., with whom Yilian Bank has collaborated since 2022 [2]. Group 3: Regulatory Environment - Since last year, regulatory authorities have intensified efforts to curb illegal high-interest deposit solicitation, with a directive issued to prohibit manual interest supplementation [3]. - Similar practices of not directly returning benefits to depositors but achieving high interest rates through third-party services have been reported in other banks [3]. Group 4: Financial Performance - Yilian Bank's 2024 financial report indicates a decline in both deposit and loan balances, with total deposits at 27.77 billion yuan, down 14.73% from the previous year [10][11]. - The bank's personal fixed deposit ratio is excessively high at 84%, contributing significantly to the overall decline in deposits, which fell by 9.51% year-on-year [11]. - The bank reported a net loss of 589.59 million yuan in 2024, marking a 520% decrease compared to the previous year, making it the only loss-making bank among 19 private banks [13][14]. Group 5: Management Compensation - Despite the significant loss, the compensation for the bank's directors and senior management remained relatively stable, with a total pre-tax remuneration of 31.71 million yuan in 2024, only a 17.66% decrease from 2023 [15].