大额存单快到期的人，愁坏了

Core Viewpoint - The article discusses the declining interest rates of large-denomination time deposits in China, which have dropped to "1.x%" levels, leading to challenges for savers who previously relied on these products for income [3][4][5]. Group 1: Current Situation of Large-Denomination Time Deposits - Many banks have stopped offering 5-year large-denomination time deposits, with the longest available term now being 3 years at a rate of 1.55% [8][11]. - The interest rates for large-denomination time deposits have significantly decreased over the years, with rates previously above 4% now falling below 2% [14][19]. - The demand for large-denomination time deposits has diminished as banks prioritize managing their liabilities and reducing costs [19][20]. Group 2: Changes in Banking Strategy - Banks are shifting their strategies from using large-denomination time deposits as a tool for attracting deposits to focusing on low-cost demand deposits and optimizing the structure of deposit terms [20][19]. - The net interest margin for commercial banks has been declining, prompting banks to reduce their reliance on high-interest deposits [18][19]. - The current banking environment reflects a preference for short-term, low-cost liabilities over long-term, high-cost deposits [27]. Group 3: Investment Alternatives for Savers - With the decline in large-denomination time deposits, savers are encouraged to explore other investment options, such as low-risk fixed-income products and structured financial products [23][26]. - The bank wealth management market is experiencing growth, with a significant increase in the scale of bank wealth management products, indicating a shift in investor preferences [23][26]. - Young investors are increasingly turning to online investment platforms, particularly in gold and diversified funds, as alternatives to traditional savings [26][27].