“躺赚”时代结束？银行正劝退五年定存 理财产品补位

Core Viewpoint - The article highlights a trend among banks where the interest rates for three and five-year fixed deposits are either flat or inverted, leading to a decline in five-year fixed deposit offerings and a shift towards higher-yielding financial products [1]. Group 1: Interest Rate Trends - Some banks are experiencing a phenomenon where the interest rates for three-year fixed deposits are equal to or higher than those for five-year fixed deposits [1]. - For instance, Minsheng Bank's "Anxin Deposit" product offers an annualized return of 1.7%, surpassing the yield of five-year fixed deposits [1]. - Agricultural Bank of China reports that most customers prefer three-year fixed deposits, as the yield difference with five-year deposits is only 0.05 percentage points [1]. Group 2: Shift to Alternative Products - Despite most banks maintaining their five-year fixed deposit offerings, there is a noticeable trend of discouraging long-term deposits and guiding customers towards alternative products such as insurance [1]. - A staff member from Agricultural Bank of China mentioned that for customers seeking longer-term investment options, they would recommend fixed-income insurance products [1]. - China Construction Bank promotes a new insurance product with an annualized rate of up to 1.75%, along with an additional average dividend of around 1% [1].