部分银行短期大额存单利率进入“0字头”

Core Viewpoint - Multiple banks in China have been actively launching large-denomination certificates of deposit (CDs) for the first issue of 2026, with over 30 banks announcing their issuance by January 7, 2023. The interest rates for some short-term CDs have dropped below 1%, approaching levels similar to regular fixed-term deposits [1]. Group 1: Bank Actions - As of January 7, 2023, more than 30 banks have released announcements for the first issue of large-denomination CDs for 2026 [1]. - Yunnan Tengchong Rural Commercial Bank plans to issue 0.1 billion yuan of large-denomination CDs with a three-month term and an interest rate of only 0.95% [1]. - At least three private banks have announced interest rate cuts starting in January 2026, indicating a faster pace of rate reductions in this sector [1]. Group 2: Interest Rate Trends - The interest rates for three-month short-term large-denomination CDs have fallen to below 1%, marking a significant decline [1]. - The interest rates for regular fixed-term deposits are now comparable to those of large-denomination CDs, reflecting a broader trend in the banking sector [1]. - The interest rates for large-denomination CDs starting from 200,000 yuan are as follows: 0.95% for 1 month, 1.00% for 3 months, and 1.20% for 6 months [2].