Group 1 - The core viewpoint of the article highlights that multiple banks have been actively launching large-denomination certificates of deposit (CDs) for the first period of 2026, with over 30 banks issuing announcements by January 7, 2023 [1] - Notably, some banks have seen their three-month short-term large-denomination CD rates drop below 1%, entering the "0" range, making them comparable to regular fixed-term deposits [1] - For instance, Yunnan Tengchong Rural Commercial Bank announced a planned issuance of 0.1 billion yuan for its first large-denomination CD of 2026, with a three-month term and an interest rate of only 0.95% [1] Group 2 - The article also points out that private banks, traditionally known for higher deposit rates, have accelerated their rate cuts since the beginning of 2026, with at least three private banks announcing reductions in January [1] - The interest rates for various deposit categories are detailed, showing that for amounts starting from 20,000 yuan, the three-month rate is 1.00%, while the six-month rate is 1.20% [2]
部分银行短期大额存单利率进入“0字头”
财联社·2026-01-09 06:45