大额存单利率跌入“0字头”

Core Viewpoint - The article discusses the significant decline in large-denomination certificate of deposit (CD) interest rates, with many banks offering rates below 1% for one-year and shorter products, while a substantial amount of deposits, approximately 75 trillion yuan, is set to mature in 2026, leading to a "deposit migration" trend among savers [3][10]. Group 1: Interest Rate Trends - Large-denomination CD rates are rapidly entering the "0% era," with most banks' new one-year and shorter products falling below 1%, and three-year rates generally below 2% [3][4]. - The trend towards shorter-term products is evident, with five-year options nearly disappearing, and some banks raising minimum deposit requirements to 1 million yuan [4][6]. - The average interest rates for various terms have dropped significantly, with the average rate for three-month deposits at 0.944% and one-year deposits at 1.277% as of September 2025 [8]. Group 2: Deposit Maturity and Migration - An estimated 75 trillion yuan of residential fixed-term deposits will mature in 2026, with a notable increase in the amount maturing compared to 2025 [10][11]. - Many savers are opting to transfer their funds from large banks to smaller banks, which typically offer slightly higher rates, rather than moving to equity markets [11][12]. - Younger savers are creatively splitting their deposits among different banks to take advantage of promotional offers, likening it to a game [12]. Group 3: Bank Strategies to Retain Deposits - In response to the pressure of deposit outflows, banks are launching various initiatives to retain funds, including temporarily raising interest rates to around 2% and enhancing customer service through personalized strategies [13][14]. - Some banks are offering promotional products with rates above 2% to attract new customers, while others are implementing pre-reminder mechanisms and tailored renewal plans for existing customers [16][17]. - The focus has shifted from merely selling products to deepening customer relationships and providing precise recommendations based on competitive analysis of deposit rates [17].