Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has introduced a high-threshold large-denomination certificate of deposit (CD) with a minimum investment of 1 million yuan, while still offering a 3-year CD starting from 200,000 yuan, both with an interest rate of 1.55% [1][11]. Group 1: Product Offerings - ICBC currently offers two types of 3-year large-denomination CDs: one with a minimum deposit of 1 million yuan and another starting from 200,000 yuan, both set to mature between May 20, 2025, and December 31, 2025 [1]. - The 1 million yuan CD has already sold out, while the 200,000 yuan CD has a remaining balance exceeding 10 million yuan [1]. Group 2: Market Context - Agricultural Bank of China (ABC) also offers two types of 3-year large-denomination CDs with minimum deposits of 5 million yuan and 200,000 yuan, both at an interest rate of 1.55%, with issuance periods from October 16, 2025, to January 15, 2026 [11]. - The introduction of high-threshold large-denomination CDs by state-owned banks is seen as a market behavior aligned with regulatory requirements, aimed at precise customer segmentation and refined liability management [13]. Group 3: Regulatory Framework - The People's Bank of China has set the minimum subscription amount for personal large-denomination CDs at 200,000 yuan, with no upper limit, allowing banks to establish higher thresholds as a compliant practice [13]. - The liquidity risk associated with transferring high-value CDs is noted, emphasizing the need for customers to consider their financial planning and risk preferences when choosing between different deposit options [13].

【#工行三年期大额存单100万元起存# 行业门槛20万】#各家银行大额存单起步门槛基本为20万#12月2 日晚间，智通财经记者登陆工商银行APP发现，该行正在发售的2025年第四期3年期个人大额存单，起 步门槛标注为"100万起存"，而年利率仅为1.55%。而最新的工行三年期定存产品的年利率，标注为"年 利率最高可至1.55%"，而定存的起步门槛仅为50元。智通财经查询及采访了解到，当前市场上各家银 行大额存单起步门槛基本为20万元。（智通财经） 6个月 20万元起存 2025年第四期6个月个人大额存单 (2025100406) -可转让 1.10% 年利率 6个月 20万元起存 2025年第三期6个月个人大额存单 (2025100306) -可转让 (2025100224) -可转让 1年 20万元起存 > 2025年第四期1年期个人大额存单 (2025100412) -可转让 1.10% 年利率 1.20% 年利率 > ...

2025年10月30日，福建海峡银行发布公告称，根据中国人民银行《大额存单管理暂行办法》（中国人民 银行公告[2015]第13号），福建海峡银行于2025年10月31日-2025年11月30日发行2025年第一百五十四期 大额存单，发行对象为个人客户（福建地区），期限为1个月、9个月、18个月，利率分别为1.45%、 1.65%、1.75%；发行对象为个人客户（福建及温州地区），期限为36个月，利率为1.80%，认购起点金 额均为20万元。 大额存单属一般性存款，纳入存款保险范围，保本保息。 ...