秒光、售罄，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，专家：存款利率或长期下行

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][3][19]. Group 1: Market Dynamics - The interest rates for large denomination CDs exceeding 2% have become extremely rare, with some banks raising the minimum investment threshold to millions [1][6]. - The withdrawal of long-term high-yield deposit products by major banks is creating a scarcity in the market, making it essential for investors to adjust their strategies and consider diversified asset portfolios [2][19]. - Smaller banks are leveraging the opportunity created by the exit of major banks to market their own long-term deposit products, emphasizing competitive interest rates and flexible terms [4][5][18]. Group 2: Competitive Strategies - Different types of banks are employing distinct strategies based on their market share, customer base, and service network, leading to a differentiated competitive landscape [2][18]. - Some smaller banks are promoting alternative deposit products with similar interest rates to large denomination CDs, catering to a broader customer base with lower minimum investment requirements [13][17]. - The marketing efforts of smaller banks are focused on highlighting the scarcity and advantages of their long-term deposit offerings in response to the major banks' withdrawal [4][5][18]. Group 3: Future Trends - The overall trend indicates a tightening supply of long-term, high-yield deposit products across all types of banks, suggesting a potential long-term decline in deposit interest rates [19][20]. - Experts predict that long-term, high-interest deposit products may become increasingly difficult to obtain, necessitating proactive adjustments from conservative investors [2][19]. - The competitive landscape will challenge banks to balance deposit volume and pricing while managing liquidity and risk effectively [20].