多家银行提高大额存单起存门槛

Core Viewpoint - The recent increase in the minimum deposit threshold for large certificates of deposit (CDs) by major state-owned banks reflects their need to manage interest costs more effectively amid ongoing pressure on net interest margins [1][2]. Group 1: Changes in Deposit Thresholds - Some major state-owned banks have raised the minimum deposit for 3-year large CDs to as high as 1 million or 5 million yuan, while maintaining the same interest rate of 1.55% for different thresholds [2][3]. - The increase in minimum deposit amounts is a strategy to tighten the supply of high-cost liabilities and optimize the overall liability structure [2][3]. Group 2: Trends in Deposit Management - There is a clear trend towards shorter-term deposits, with banks actively reducing long-term liabilities to better match their asset structures and manage interest rate risks [3]. - The shift from uniform thresholds to multi-tiered settings indicates a transition towards a customer-centric financial service model, moving away from scale expansion and homogeneous competition [3]. Group 3: Recommendations for Banks - Banks are advised to develop a flexible and refined liability management system, focusing on differentiated terms, thresholds, and pricing [4]. - There is a need to deepen customer segmentation and provide comprehensive financial services tailored to different customer needs [4].