"也是为了大力抢抓年末到期资金，现在每新增1万块（存款）就赠送10积分，1个积分相当于1块钱，我们这边一般是给京东e卡。"某股份行 东部地区网点的客户经理严昊周末也没歇着，他告诉记者，现在这样的存款活动力度"很难得"，过往在某国有大行以及其他股份银行都"从来 没有过这样的回馈"。 一段时间以来，"天量存款到期"引发市场广泛关注。在这场大讨论背后，一边是普通储户难觅年化收益率超2%的存款产品；另一边则是基层 网点员工在"永恒揽储压力"加剧下，继续承压前行。 根据市场机构测算，本轮"天量"到期存款规模在50万亿元—75万亿元之间，其中1年期以上定期存款到期规模较2025年初新增约10万亿元。无 论整体到期资金体量还是中长期定存到期资金体量，都让银行体系之外的各类产品"嗅"到资产再配置的潜力，"存款搬家"的讨论也由此持续 升温。 "愿意存三年期、五年期定存的人，很多都是需要这部分存款给自己做最后保障的人，他们不会因为多出一两个百分点（收益率）而去投那些 自己看不懂底层（资产）的理财产品。"西部地区某股份行分行行长告诉记者，据其观察，不少中长期限储户为风险厌恶型投资者，甚至"只 相信银行到期还本付息"，而这部分客户占 ...

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].

Core Viewpoint - The large-denomination certificate of deposit (CD) rates are rapidly approaching the "0% era," with many banks offering rates below 1% for products with a maturity of one year or less, and three-year rates generally below 2% [1][3][6] Group 1: Interest Rate Trends - The majority of banks have seen one-year and shorter-term CD rates drop below 1%, with some even lower than the yields of money market funds [1][3] - The average interest rates for various terms have significantly decreased, with one-year rates mostly below 1.5% and three-year rates not exceeding 2% [3][6] - The average interest rate for bank deposits across all terms fell below 2% as of September 2025, with three-month rates at 0.944% and one-year rates at 1.277% [6][8] Group 2: Deposit Maturity and Customer Behavior - Approximately 75 trillion yuan of deposits are set to mature in 2026, with a notable increase in the volume of one-year and longer-term deposits maturing [9][10] - Many depositors are opting to transfer their funds between banks rather than moving to equity markets, seeking slightly higher yields from smaller banks [10][11] - Younger depositors are creatively diversifying their funds across multiple banks to take advantage of promotional offers [11] Group 3: Bank Strategies to Retain Deposits - In response to the pressure of deposit outflows, banks are implementing various strategies, including temporarily raising interest rates to around 2% to attract and retain funds [1][15] - Some banks are enhancing customer service and offering tailored solutions to improve customer retention, such as pre-reminder mechanisms and personalized renewal plans [16] - Marketing campaigns and customer engagement activities are being intensified to maintain deposit levels, with some banks offering rewards based on asset growth [15][16]

Core Viewpoint - The banking sector is facing a "deposit defense war" as large deposit certificate rates are rapidly declining, with many banks offering rates below 1% for one-year products and below 2% for three-year products, while a significant amount of deposits is set to mature in 2026 [1][2][3][8]. Group 1: Deposit Rate Trends - The trend of large deposit certificates is shifting towards shorter terms, with most banks now promoting products with a maturity of one year or less, while five-year products are nearly extinct [2][3]. - The average interest rates for newly issued one-year and shorter large deposit certificates have dropped below 1%, with many three-year products not exceeding 2% [3][5]. - The interest rates for large deposit certificates from major banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, have significantly decreased, with one-month and three-month rates at 0.9% [4][5]. Group 2: Deposit Maturity and Customer Behavior - Approximately 75 trillion yuan of deposits are expected to mature in 2026, with a notable increase in the amount of one-year and longer-term deposits maturing compared to 2025 [8][11]. - Many depositors are opting for "cross-bank transfers" rather than moving to equity markets, seeking better rates from smaller banks, which often offer rates higher than those of larger banks [9][10]. - A survey indicated that a significant portion of depositors plan to renew their deposits, with expectations of renewal rates varying between 20% to 60% [11]. Group 3: Bank Strategies to Retain Deposits - In response to the pressure of deposit outflows, banks are implementing various strategies, including temporarily raising interest rates to around 2% to attract and retain funds [1][13]. - Some banks are enhancing customer service through personalized strategies and promotional activities to increase customer loyalty and retention [13][14]. - Regional banks are focusing on improving service processes, such as establishing pre-reminder mechanisms for maturing deposits and offering tailored renewal plans [14].