多家民营银行大额存单利率维持“2”字头

Group 1 - Major state-owned banks and several joint-stock banks have seen large-denomination certificate of deposit (CD) rates drop to the "1" range, while many private banks maintain rates in the "2" range [1] - Shanghai Huari Bank's 24-month large-denomination CD rate is 2.35%, and the 18-month rate is 2.15%, with the product sold out as of September 26 [1] - Jincheng Bank offers a maximum annual interest rate of 2.2% for large-denomination CDs starting from 200,000 yuan, and a special product for new customers with a minimum deposit of 1,000 yuan at the same rate for a 3-year term [1] Group 2 - According to a researcher from China Postal Savings Bank, the central bank's guidance for lower interest rates due to insufficient market demand has pressured banks to lower their large-denomination CD rates, leading to a general decline into the "1%" range [2] - Private banks are relying on higher rates to attract customers due to their weaker brand influence and lack of physical branches, indicating a need for higher pricing strategies in their asset-liability management [2] - The ongoing release of interest rate cuts by the central bank suggests that large-denomination CD rates will continue to face downward pressure, with state-owned and joint-stock banks likely to further reduce rates to manage liability costs [2]