银行大额存单成稀缺资源：年利率2%+产品多被抢空 有的门槛高达1000万

Core Viewpoint - The recent withdrawal of 5-year large deposits by six major state-owned banks has created a significant shift in the market, leading to a scarcity of high-yield deposit products, particularly those with interest rates above 2% [1][2][16]. Group 1: Market Dynamics - The exit of major banks from the 5-year large deposit market has resulted in a trend towards shorter deposit terms, with available options generally limited to 1.5% to 1.75% interest rates for up to 3 years [3][16]. - Some small and medium-sized banks have seized this opportunity to market their long-term deposit products, highlighting their competitive interest rates and terms on social media platforms [3][4]. - The competition among banks has intensified, with some institutions offering unique deposit products to attract customers, as traditional large deposits become harder to obtain [1][3][10]. Group 2: Interest Rate Trends - Interest rates for large deposits have dropped significantly, with rates above 2% becoming rare and often requiring high minimum deposits, sometimes reaching up to 1 million yuan [5][8][10]. - Certain small banks still offer 5-year large deposits with rates above 1.8%, but these products are quickly sold out due to high demand [5][7][10]. - The overall trend indicates that long-term, high-yield deposit products may become increasingly scarce, necessitating adjustments from conservative investors [2][16]. Group 3: Strategic Responses - Banks are adapting by introducing alternative deposit products with similar interest rates but lower minimum deposit requirements, effectively serving as substitutes for large deposits [10][14]. - The differentiation in deposit product offerings among banks is influenced by their market share, customer base, and service network, leading to varied strategies in maintaining long-term deposit supplies [15][18]. - Experts suggest that banks must enhance their service capabilities and market influence to sustain interest rate advantages while managing associated risks effectively [18][19].