银行大额存单成稀缺资源，2%以上产品很难抢，有的门槛高达1000万元

Core Viewpoint - The collective withdrawal of 5-year large-denomination certificates of deposit (CDs) by the six major state-owned banks has led to a significant shift in the market, with smaller banks adopting varied strategies to attract customers and fill the gap left by the larger banks [1][4][21]. Group 1: Market Trends - The interest rates for large-denomination CDs exceeding 2% have become extremely rare, with some banks raising the minimum investment threshold to millions [1][8]. - The trend indicates a shortening of the maturity structure for large-denomination CDs, with available options generally capped at three years and interest rates dropping to between 1.5% and 1.75% [4][23]. - The overall supply of long-term, high-yield deposit products is tightening across all types of banks, suggesting a long-term downward trend in deposit rates [22][23]. Group 2: Strategies of Smaller Banks - Smaller banks are leveraging the exit of major banks from the 5-year CD market as a marketing opportunity, promoting their own long-term deposit products on social media [5][6][7]. - Some smaller banks are offering alternative deposit products with similar interest rates to attract a broader customer base, despite the higher entry thresholds for large-denomination CDs [1][15][19]. - The marketing strategies of smaller banks are focused on highlighting the scarcity and advantages of their long-term deposit offerings, aiming to secure a customer base seeking stable returns [5][6][7]. Group 3: Customer Behavior and Preferences - Customers are increasingly seeking long-term, stable investment options, leading to a surge in demand for available high-interest deposit products, which are often sold out quickly [9][10][11]. - The shift in customer preferences is reflected in the growing inclination towards savings, with a notable percentage of residents expressing a desire for more savings rather than investments [24]. Group 4: Expert Insights - Experts suggest that the future of deposit rates may see a prolonged decline, influenced by policies aimed at reducing financing costs and optimizing banks' liability structures [22][24]. - The differentiation in strategies among banks is attributed to structural differences in market share, customer base, and service networks, which affect their ability to maintain long-term deposit products [21][22].