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Core Viewpoint - The article discusses the recent surge in demand for high-yield large certificates of deposit (CDs) from private banks, particularly as some products offer interest rates exceeding 2%, contrasting with the lower rates from state-owned banks. This trend highlights a seasonal increase in bank deposit solicitation as the end of the month and quarter approaches [1][3]. Summary by Sections Large CDs Re-emerging - Private banks are leading the charge in attracting customers with high-interest large CDs, with some rates maintained above 2%. For instance, SuShang Bank offers 2-year and 3-year CDs with rates of 2.1% and 2.3%, respectively, while Shanghai Huari offers rates of 2.15% and 2.35% for similar terms [3][5]. Interest Rate Comparison - State-owned banks generally offer lower rates, with examples such as the China Agricultural Bank providing rates of 1.20% for 1-year and 2-year CDs, and 1.55% for 3-year CDs. In contrast, private banks are experiencing rapid sales of their higher-yield products, often selling out quickly due to limited availability [5][8]. Market Dynamics - The current environment shows a trend towards shorter-term deposits as banks adjust their product offerings and customers seek liquidity. Analysts suggest that the high-yield CDs may become scarce as banks lower deposit rates, making the recently launched high-yield products particularly sought after [6][8]. Net Interest Margin Pressure - The banking sector is facing significant pressure on net interest margins, which have dropped to 1.42% as of the second quarter. This decline is more pronounced among listed banks, with an average net interest margin of 1.33%, down 13 basis points year-on-year. The article notes that the downward trend in margins may slow as banks manage their liabilities more effectively [8][9]. Future Outlook - Analysts predict that the trend of offering high-yield CDs may not sustain in the long term, especially as the economic environment evolves. The focus on maintaining competitive interest rates while managing costs will be crucial for banks moving forward [6][10].