年末揽储旺季之际，部分中小银行竟“不玩了”？

Core Viewpoint - Blue Ocean Bank has marked all its deposit products as "sold out" during the year-end deposit gathering season, which is an unusual move that has attracted market attention [1][8]. Summary by Sections Deposit Products Status - All deposit products, including various term deposits such as 7-day notice deposits and 3-month, 6-month fixed deposits, are currently showing a "sold out" status on Blue Ocean Bank's mobile banking app [1][3]. - The bank's signature deposit product, "Blue Baby," which offers terms ranging from 3 months to 5 years, is also marked as "sold out" [3]. Interest Rates and Adjustments - The interest rates for the "Blue Baby" products are as follows: 1.35% for 3-month, 1.45% for 6-month, 1.65% for 1-year, 1.85% for 2-year, and 2.00% for 3-year deposits [4]. - Blue Ocean Bank has frequently lowered its deposit rates, with eight rate cuts in the first half of the year alone. For instance, on November 1, the bank announced a rate adjustment for several products, reducing rates to 1.25% [6]. Financial Performance - Blue Ocean Bank is facing a dual challenge of declining revenue and net profit, with reported figures showing a revenue of 1.452 billion yuan, down 39.42% year-on-year, and a net profit of 415 million yuan, down 47.86% [8]. - The bank's net interest margin has decreased to 2.35%, a drop of 1.99 percentage points compared to the previous year [8]. Industry Trends - The move by Blue Ocean Bank is not isolated; several other small and private banks are also withdrawing medium- to long-term deposit products, indicating a broader trend in the banking sector [9][10]. - Analysts suggest that the withdrawal of these products is a response to the pressure on net interest margins and the need to control high-cost liabilities in a challenging economic environment [10].