不揽储了？有民营银行阶段性停售所有期限存款

Core Viewpoint - The banking sector, particularly small and medium-sized banks, is experiencing a significant reduction in deposit offerings, with some banks like Blue Ocean Bank suspending various term deposits due to pressure on net interest margins and high funding costs [1][6]. Group 1: Deposit Trends - Blue Ocean Bank has completely sold out of all its deposit products, including 3-month, 6-month, 1-year, 2-year, 3-year, and 5-year term deposits, indicating a severe limitation on deposit acceptance [2][4]. - The bank's customer service stated that the 2-year, 3-year, and 5-year term deposits are currently full, with no indication of when new quotas will be available [4]. Group 2: Interest Rate Dynamics - The bank's deposit rates for various terms are as follows: 3-month (1.35%), 6-month (1.55%), 1-year (1.65%), 2-year (1.85%), and both 3-year and 5-year at 2% [4]. - The net interest margin for Blue Ocean Bank has decreased from 4.34% to 2.35% over the year, reflecting a significant drop of 1.99 percentage points [5]. Group 3: Market Context - The trend of suspending long-term deposits is not isolated to Blue Ocean Bank; other small and medium-sized banks are also withdrawing similar products, indicating a broader industry shift [6][8]. - The overall environment of declining deposit rates and weak credit demand has led banks to limit high-cost deposit acceptance to manage their balance sheets effectively [7][8].