Sou Hu Cai Jing·2025-12-03 08:26Core Viewpoint - The demand for large-denomination certificates of deposit (CDs) is high, leading to limited availability, particularly in certain regions, as banks adjust their offerings in response to market conditions [1][4]. Group 1: Availability of Large-Denomination CDs - The Bank of Communications currently shows no available large-denomination CDs for purchase on its mobile app, indicating they have sold out [1]. - The bank's customer service confirmed that large-denomination CDs are sold in limited quantities and suggested customers check local branches for availability [1]. - Reports indicate that only select regions have access to exclusive large-denomination CDs, with a minimum purchase requirement of 200,000 yuan and an interest rate of 1.40% for a one-year term in Beijing [4]. Group 2: Interest Rates and Terms - The Bank of Communications offers a one-year large-denomination CD with a 1.40% interest rate, while other banks are adjusting their rates for different terms [6]. - Agricultural Bank of China has two products for three-year large-denomination CDs, with interest rates set at 1.55% for minimum investments of 20,000 yuan and 5 million yuan [6]. - The Industrial and Commercial Bank of China has also introduced a three-year large-denomination CD with a minimum investment of 100,000 yuan, which has already sold out [6]. Group 3: Market Trends and Strategies - The trend of banks discontinuing longer-term large-denomination CDs, such as five-year options, has been noted, with many banks indicating a lack of such products in recent years [6]. - Analysts suggest that banks are raising the minimum investment thresholds and stabilizing interest rates to manage their high-cost liabilities and maintain interest margins [8]. - The scarcity of medium to long-term deposit products like large-denomination CDs is becoming a strategy for banks to attract high-end clients, where the security and stability of funds are prioritized over interest rates [8].