大额存单利率跌入“0字头”，天量存款到期储户跨行“搬家”

Core Viewpoint - The banking sector is facing a "deposit defense war" as large deposit certificate rates are rapidly declining, with many banks offering rates below 1% for one-year products and below 2% for three-year products, while a significant amount of deposits is set to mature in 2026 [1][2][3][8]. Group 1: Deposit Rate Trends - The trend of large deposit certificates is shifting towards shorter terms, with most banks now promoting products with a maturity of one year or less, while five-year products are nearly extinct [2][3]. - The average interest rates for newly issued one-year and shorter large deposit certificates have dropped below 1%, with many three-year products not exceeding 2% [3][5]. - The interest rates for large deposit certificates from major banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, have significantly decreased, with one-month and three-month rates at 0.9% [4][5]. Group 2: Deposit Maturity and Customer Behavior - Approximately 75 trillion yuan of deposits are expected to mature in 2026, with a notable increase in the amount of one-year and longer-term deposits maturing compared to 2025 [8][11]. - Many depositors are opting for "cross-bank transfers" rather than moving to equity markets, seeking better rates from smaller banks, which often offer rates higher than those of larger banks [9][10]. - A survey indicated that a significant portion of depositors plan to renew their deposits, with expectations of renewal rates varying between 20% to 60% [11]. Group 3: Bank Strategies to Retain Deposits - In response to the pressure of deposit outflows, banks are implementing various strategies, including temporarily raising interest rates to around 2% to attract and retain funds [1][13]. - Some banks are enhancing customer service through personalized strategies and promotional activities to increase customer loyalty and retention [13][14]. - Regional banks are focusing on improving service processes, such as establishing pre-reminder mechanisms for maturing deposits and offering tailored renewal plans [14].