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Core Viewpoint - The current trend in the banking sector shows a significant decline in deposit interest rates, with large-denomination certificates of deposit (CDs) being marketed as a tool to attract savers despite their lower yields compared to previous years [1][10]. Group 1: Deposit Rate Trends - Many banks have launched their first large-denomination CDs for 2026, with over 30 banks issuing announcements by January 7 [1]. - The interest rates for large-denomination CDs have dropped significantly, with most banks offering rates below 2% for three-year CDs and even lower for shorter terms [3][10]. - Some banks have introduced three-month CDs with interest rates falling below 1%, indicating a shift towards shorter-term products [2][3]. Group 2: Specific Rate Examples - For instance, the Yunnan Tengchong Rural Commercial Bank announced a three-month CD with a rate of only 0.95% [2]. - The Guangdong Longchuan Rural Commercial Bank's first large-denomination CD for the year offered rates of 1.15% for six months, 1.3% for one year, and 1.35% for two years [3]. - The Anhui Shitai Rural Commercial Bank issued a three-month CD with a rate of 1%, while the Huainan Rural Commercial Bank also offered a similar rate for their three-month CDs [3]. Group 3: Market Dynamics and Future Outlook - The banking sector is experiencing a wave of interest rate cuts, particularly among private banks, with at least three announcing reductions in January 2026 [7][8]. - The total amount of one-year and longer-term deposits maturing in 2026 is estimated to reach 50 trillion yuan, with a significant portion concentrated in two- and three-year deposits [10][11]. - The market anticipates a potential new round of interest rate cuts by the central bank in the first quarter of 2026, as the monetary policy remains accommodative [12][13].