“等50多天才买到”，头部互联网银行上线大额存单“排队”功能，部分利率可达3％

Core Insights - The recent decline in deposit rates has made high-yield large-denomination certificates of deposit (CDs) from private banks particularly attractive to depositors [2][3] - Private banks have introduced a "reservation" service for purchasing these high-yield CDs, which are often second-hand products transferred from other depositors, rather than newly issued [2][4] - The demand for these high-yield CDs has led to long waiting times for customers, with some reporting waits of over 50 days to secure a purchase [2][5] Group 1: Market Dynamics - The overall narrowing of net interest margins in the banking sector has prompted banks to lower deposit rates, making previously issued high-rate large-denomination CDs more sought after [2][3] - The minimum investment for large-denomination CDs is typically set at 200,000 yuan, with rates generally higher than standard term deposits [3][6] - As of mid-September, some private banks have seen significant interest in their CD transfer sections, with rates exceeding 2% being transferred quickly [4][5] Group 2: Digital Innovations - Private banks like WeBank and MyBank have implemented digital reservation systems for purchasing transferred CDs, allowing customers to specify their desired rate and term [4][8] - The reservation process requires customers to lock funds in their accounts, which cannot be used for other transactions until the purchase is completed [4][5] - This digital approach aims to enhance customer engagement and meet the demand for high-yield deposit products in a low-interest-rate environment [8] Group 3: Financial Performance - As of the second quarter, the net interest margin for commercial banks was reported at 1.42%, with private banks maintaining a relatively higher margin of 3.91% [6][7] - WeBank's net interest margin was recorded at 5.23% by the end of 2024, while MyBank's was at 3.49%, indicating a competitive edge in the market despite recent declines [7][8] - The average interest rates for large-denomination CDs have shown a downward trend, but they still retain some advantages over traditional deposit products [7][8]