多家互联网银行上线大额存单排队功能

Core Viewpoint - The interest rates for large time deposits in state-owned and joint-stock banks have dropped to the "1" range after multiple rounds of interest rate cuts, with some banks removing large time deposits with terms longer than three years [1][2] Group 1: Current Market Conditions - Large time deposits with interest rates above 2% are rarely found, primarily in regional and internet banks [1] - Internet banks are offering higher interest rates on large time deposits, but these products often have limited availability and require reservations, leading to waiting times of one week to several months [1][5] - The starting amount for large time deposits is generally 200,000 yuan, with rates slightly higher than regular fixed deposits, and they are included in the deposit insurance scheme [1] Group 2: Specific Bank Offerings - WeBank offers two types of "large time deposit+" products with interest rates of 3% and 2.1%, respectively, but the former is currently unavailable for reservations [1][2] - MyBank has a two-year large time deposit with a listed interest rate of 1.6% and a dedicated transfer area for high-interest deposits [2] - Citic Baixin Bank limits the issuance of high-interest large time deposits to new customer benefits, with a current rate of 2.1% for two-year deposits [2] Group 3: Financial Performance and Strategies - Internet banks are experiencing a narrowing net interest margin, with private banks' net interest margin decreasing from 4.11% at the end of last year to 3.91% by mid-year, although still higher than most traditional banks [5] - WeBank's net interest margin is projected to decline from 6.04% at the end of 2023 to 5.71% by mid-2024, while MyBank's is expected to rise slightly from 3.34% to 3.48% in the same period [5] - Internet banks are implementing various measures to control funding costs, including promoting the transfer of maturing fixed deposits to bank wealth management products and reducing fixed deposit rates [5][6]