某银行年利率4.2%的3年定存将“提前兑付”？多位客户称收到通知，客服这样回应

Core Viewpoint - The article discusses the controversy surrounding Yilian Bank's decision to potentially redeem a specific deposit product early, which has raised concerns among customers regarding interest loss and regulatory compliance [1][3]. Group 1: Early Redemption of Deposit Products - Yilian Bank is reportedly considering early redemption of its "3-Year Exclusive Deposit" product, which has a comprehensive annual interest rate of 4.2% [1][4]. - Customers received notifications about the early redemption, which could result in a loss of nearly one year of interest for those who purchased the product [3][4]. - The bank's customer service denied any current plans for stopping payments on any products, stating that any adjustments would be announced through official channels [1][3]. Group 2: Interest Rate Structure - The "3-Year Exclusive Deposit" product has a base annual interest rate of 2.95%, supplemented by a reward interest rate of 1.25% related to the study of the "Deposit Insurance Regulations," leading to a total of 4.2% [4]. - Other deposit products from Yilian Bank also feature similar reward structures, indicating a trend in their offerings [4]. Group 3: Third-Party Involvement - Customers were required to sign an agreement with a third party, Hunan Chengshengde Technology Co., Ltd., to receive the additional interest, indicating a complex structure behind the interest rates [6][7]. - This third-party arrangement raises concerns about potential regulatory evasion regarding deposit interest rates [8][9]. Group 4: Financial Performance and Challenges - Yilian Bank has faced declining revenues and profits since 2020, with reported revenues of 10.65 billion yuan in 2023 and a net profit loss of 5.9 billion yuan in 2024, marking it as the only loss-making private bank among its peers [12][13]. - The bank's total assets and liabilities have significantly decreased, with total assets dropping by 21% to 40.822 billion yuan and total liabilities also decreasing by 21% [12][13]. - The bank's heavy reliance on personal time deposits, which account for over 84% of its deposit balance, has created pressure on its financial stability, especially in a declining interest rate environment [13].