Group 1 - The core message is that major state-owned banks, including Industrial and Agricultural Banks, have introduced high-denomination large certificates of deposit (CDs) with varying minimum deposit requirements, while maintaining the same interest rate of 1.55% for both high and low minimum deposits [1][2][4] - Industrial Bank offers two types of three-year large CDs: one with a minimum deposit of 1 million yuan and another with a minimum of 200,000 yuan, both having the same interest rate of 1.55% [1] - Agricultural Bank also provides two options for three-year large CDs, with minimum deposits of 5 million yuan and 20,000 yuan, respectively, and the same interest rate of 1.55% [2] Group 2 - The introduction of high-denomination large CDs by state-owned banks is a market behavior aimed at precise customer segmentation and refined liability management, which complies with regulatory requirements [4] - The minimum subscription amount for personal large CDs is set at no less than 20,000 yuan, with no upper limit, allowing banks to set higher thresholds for certain products [4] - The main advantages of large CDs over regular deposits include higher liquidity and flexibility, such as transferability and pledge options, which should be considered by depositors based on their financial planning [4]