大额存单转让潮再现，“4.65%的利息都不要了”

Group 1 - The large-denomination certificate of deposit (CD) transfer market is experiencing a surge, with some products offering interest rates exceeding 3%, attracting depositors to shift funds from savings to capital markets for higher returns [1][2] - A notable example includes a transfer of a CD with a predicted annual interest rate of 4.87%, significantly higher than the new issuance rates, indicating a strong demand for higher-yielding products [1][3] - The current market dynamics suggest that investors are increasingly willing to take risks, moving funds from traditional savings to equity markets, driven by the bullish sentiment in the A-share market [1][4] Group 2 - The recent trend shows a significant shift of wealth from financial products to capital markets, as investors seek better returns amid a strong stock market performance [5][7] - Data indicates that the average annualized yield of bank wealth management products has decreased to 1.90%, reflecting a broader trend of declining interest rates and prompting investors to explore alternative investment avenues [6][7] - Historical patterns reveal that low interest rates and strong capital market performance have consistently driven deposit migration, with the current environment suggesting a potential for continued movement of funds into equities [7][8]