银行大动作！这类大额存单利率，跌破1%

Core Viewpoint - The article highlights a significant decline in deposit rates among small and medium-sized banks in China, with some three-month large-denomination certificates of deposit (CDs) dropping below 1%. This trend indicates a shift away from the "high-interest savings" era, prompting individual investors to rethink their investment strategies towards diversified asset allocation rather than solely pursuing high interest rates [2][10][11]. Summary by Sections Deposit Rate Changes - Several small and medium-sized banks have begun to lower their deposit rates, with Anhui Xin'an Bank reducing its two-year fixed deposit rate by 10 basis points to 2.25% and Puyang Zhongyuan Village Bank cutting rates by 30 basis points across various terms [4]. - As of January 8, over 30 banks announced the issuance of large-denomination CDs for 2026, with most having terms of one year or less. Notably, some rural commercial banks have seen their three-month CD rates fall below 1%, such as Mengla Rural Commercial Bank offering a rate of 0.93% [4][5][6]. Market Trends and Implications - The decline in deposit rates is attributed to a combination of factors, including a shrinking net interest margin for banks and the need to support the real economy by lowering funding costs [10][11]. - The overall net interest margin for commercial banks was reported at 1.42% as of Q3 2025, with large banks at 1.31%, indicating a challenging environment for maintaining profitability [10]. Investor Guidance - Investors are advised to adapt their financial strategies in response to the changing landscape. The focus should shift from seeking absolute high interest to constructing optimal risk-return portfolios [10][12]. - Specific recommendations include accepting a new standard of "stable returns," embracing "fixed income plus" products for higher returns with manageable volatility, and utilizing dollar-cost averaging for long-term investments in high-dividend assets or broad market indices [11][12].