不揽储了？有民营银行阶段性停售所有期限存款

Core Viewpoint - The article discusses the recent trend of small and medium-sized banks in China, particularly Blue Ocean Bank, suspending long-term deposit products due to pressure on net interest margins and high funding costs, reflecting a proactive balance sheet contraction strategy in a declining interest rate environment [3][11]. Group 1: Deposit Trends - Blue Ocean Bank has suspended all its fixed-term deposit products, including 2-year, 3-year, and 5-year terms, leading to a situation where all deposit products are sold out [4][5]. - The bank's customer service indicated that the suspension of these deposit products is due to reaching full capacity, with no clear timeline for when they will be available again [10]. - The bank's interest rates for various deposit terms are as follows: 3-month (1.35%), 6-month (1.55%), 1-year (1.65%), 2-year (1.85%), 3-year (2%), and 5-year (2%) [10]. Group 2: Financial Performance - Blue Ocean Bank reported a significant decline in financial performance, with operating income dropping by 39.42% year-on-year to 1.452 billion yuan and net profit falling by 47.86% to 415 million yuan [11]. - The bank's net interest margin decreased sharply from 4.34% to 2.35% within a year, indicating a substantial decline in profitability [11]. Group 3: Industry Context - The trend of suspending long-term deposit products is not isolated to Blue Ocean Bank; other small and medium-sized banks, such as the Tongyu Mongolian Village Bank and Meizhou Merchants Bank, have also canceled their 5-year fixed deposit products [13]. - The overall banking environment is characterized by a lack of high-yield assets to match high-cost liabilities, leading banks to halt deposit acquisition to control scale and costs [13][14]. - The article highlights a broader shift in the banking sector, where long-term deposit products are being phased out, and interest rates are declining, marking the end of an era where depositors could earn significant interest [12][14].