青岛农村商业银行股份有限公司（下称青农商行 002958.SZ）26日晚正式发布公告，披露了董事长王锡峰因到龄退休辞职的相关事宜。 | 姓名 | 离任职务 | 离任时间 | 原定任期 到期日 | 离任原因 | 是否继续在本 公司及其控股 | ਸ R | | --- | --- | --- | --- | --- | --- | --- | | | | | | | 子公司任职 | | | 王锡峰 | 第五届董事会执行 直事、直事长,直 | 2025年1 | 2027年6 | 退休 | 合 | | | | 事会战略规划委员 | 月25日 | 月18日 | | | | | | 会主任委员 | | | | | | 公开简历显示，王锡峰现已满足60岁退休年龄，并未延长任期。青农商行在公告中对王锡峰作出了积极的评价，并对其在任职期间做出的贡献表示感谢。公 告显示其正式离任日期为2025年11月25日，其原定任期本应至2027年6月18日，辞职后不在该行及该行控股子公司担任任何职务。 据了解，王锡峰在加入青农商行前的主要任职经历集中在国有大行和股份行。早年间担任中国银行青岛分行财会处办事员等职务，逐步晋升为中国银行山东 省 ...

Core Viewpoint - Several small and medium-sized banks are adjusting their deposit product structures, particularly by canceling long-term fixed deposit products, reflecting the pressure of narrowing net interest margins in the banking industry [2][8]. Group 1: Changes in Deposit Products - Inner Mongolia's Tuyouqi Mengyin Village Bank and Kundu Lun Mengyin Village Bank have canceled their 5-year fixed deposits, and some private banks no longer list 3-year or 5-year fixed deposit products [2][4]. - The previous interest rate for the 5-year fixed deposit at Tuyouqi Mengyin Village Bank was 1.90%, which is now shown as vacant after the adjustment [4]. - Some private banks, such as Huari Bank and Xin'an Bank, have also removed 5-year fixed deposits from their product lists, with some banks eliminating both 3-year and 5-year fixed deposits [5]. Group 2: Reasons Behind Adjustments - The adjustments are primarily driven by the pressure of narrowing net interest margins, particularly affecting small and medium-sized banks, which are compelled to reduce high-cost long-term deposits and optimize their liability structures [2][8]. - The overall banking industry is facing challenges with net interest margins, with various types of banks experiencing different degrees of decline [9][10]. Group 3: Investor Behavior and Market Trends - Investors are shifting their asset allocation towards "stable low volatility + high liquidity" products, favoring money market funds, short-term wealth management, and low volatility dividend products [2][12]. - The trend indicates that more small and medium-sized banks are likely to follow suit in adjusting long-term deposit products, as the previous high-interest long-term deposit model is no longer sustainable [10].