工商银行3年期大额存单利率仅1.55%，上海华瑞银行同期产品却给出2.35%的高利率，悬殊的利率差让储户们既心动又犹豫。 "一年前还能找到3%以上的存款产品，现在超过2%就已经是宝贝了。"一位在社交平台上搜寻高息存款的投资者感叹道。 随着国有大行存款利率全面进入"1字头"，部分中小银行却逆势推出利率超2%的大额存单，成为低利率市场中的一抹亮色。 这些高息存款产品，迅速成为储户们追逐的焦点，也在一定程度上改变了银行的存款格局。 随着六大国有银行集体下调存款利率后，一年期定期存款利率首次跌破1%，活期存款利率更是低至0.05%。 1 在整体利率下行的环境中，中小银行正成为高息存款的"最后堡垒"。 上海华瑞银行推出利率达2.35%的2年期大额存单，贵州银行3年期利率为2.45%，苏商银行3年期产品利率为2.3%。 相比之下，大型商业银行的存款利率明显偏低，工商银行3年期大额存单利率仅1.55%，1-2年期产品更是低于1.3%。 这种明显的利率差，让中小银行的高息产品格外引人注目。 融360数字科技研究院数据显示，2025年7月，银行整存整取存款3个月期平均利率为0.943%，1年期为1.278%，2年期为1.369 ...

Core Viewpoint - Zhejiang Yongkun Holdings Co., Ltd. (Yongkun Gold) has attracted thousands of investors through a promised annual return of up to 18% and a "referral commission" mechanism, disguising its operations as legitimate financial products [1][2]. Group 1: Company Overview - Yongkun Gold, established in March 2014, is a subsidiary of Zhejiang Yongkun Holdings, with a significant presence in the gold industry, including over 100 offline stores across the country [13][15]. - The company operates a gold custody model, where most of the gold is not held by investors, and has expanded its business through various sales channels, including e-commerce platforms [6][15]. Group 2: Business Model and Operations - Yongkun Gold's business consists of two main categories: sales-custody-recovery services, promising high returns to investors, and online sales of gold products with a no-loss guarantee [7][10]. - The company has implemented a referral reward system, where investors earn commissions for bringing in new clients, resembling a Ponzi scheme [23]. Group 3: Financial Issues and Legal Troubles - On May 20, 2025, Yongkun Gold faced a liquidity crisis, unable to make payments to clients, leading to investor protests and legal actions for illegal public deposit solicitation [2][4]. - The company was listed in the business abnormality directory due to being unreachable at its registered address, and there are concerns regarding the authenticity of its insurance policies covering over 4.1 billion yuan in gold assets [4][11]. Group 4: Investor Impact - Over 10,000 investors have reportedly been defrauded, with losses exceeding 2 billion yuan, and conservative estimates suggest total losses could reach 5 billion yuan [5][21]. - The high promised returns have lured many investors, including employees of Yongkun Gold, who invested their life savings, only to face significant financial losses [21][24].

Group 1 - The core viewpoint of the articles is that a new wave of interest rate cuts is sweeping through the banking industry, initiated by the People's Bank of China, with significant adjustments made by major state-owned banks and other financial institutions [2][3][6] - On May 20, 2025, major state-owned banks lowered their deposit rates, with the one-year deposit rate falling below 1%, and the adjustment range for fixed-term deposits varying from 0.15 to 0.25 percentage points [2][3] - Despite the overall trend of rate cuts, Yilian Bank reportedly raised its one-year fixed deposit rate from 1.85% to 2.00% on May 21, 2025, although this claim was later disputed as the bank's official website showed the rate remained at 1.85% [1][4][5] Group 2 - The net interest margin of commercial banks in China narrowed to 1.43% in Q1 2025, a decrease of 9 basis points from the previous quarter, indicating pressure on bank profitability [3][6] - Analysts predict that the overall interest margin for banks may decline by 10 to 15 basis points throughout 2025 due to the combination of LPR cuts and lower funding costs [3][6] - Some smaller banks, like Blue Ocean Bank, have also attempted to raise deposit rates in 2025, indicating a strategy to attract funds amid a competitive environment [6][7] Group 3 - The trend of interest rate adjustments reflects a broader strategy among banks to manage their funding costs and attract deposits, particularly in a low-interest-rate environment [2][6] - Analysts suggest that small and medium-sized banks should focus on niche markets and enhance service quality to differentiate themselves in a competitive landscape [7]

Group 1 - The Loan Prime Rate (LPR) experienced its first reduction of the year on May 20, with expectations of a new wave of interest rate cuts across the banking sector [1][2] - Major state-owned banks, including ICBC, Bank of China, and Agricultural Bank of China, lowered their deposit rates, with one-year deposit rates falling below 1% [2][3] - Private banks, such as Sanxiang Bank and Blue Ocean Bank, also announced reductions in deposit rates, indicating a widespread trend in the banking industry [2] Group 2 - Yilian Bank attracted attention for reportedly raising its one-year fixed deposit rate from 1.85% to 2.00% on May 21, although this announcement could not be verified on their official website [3][4] - The bank's official rate for one-year fixed deposits remained at 1.85% as of May 26, suggesting that the reported increase may have been a temporary promotional activity [4][5] - Analysts noted that Yilian Bank's previous adjustments included rate cuts for longer-term deposits, indicating a general trend of declining rates despite short-term promotional increases [5][6] Group 3 - The narrowing of net interest margins for commercial banks was highlighted, with the margin dropping to 1.43% in Q1 2025, down 9 basis points from the previous quarter [3] - Analysts predict a further decline in net interest margins by 10 to 15 basis points for the entire year of 2025 due to the LPR reduction and lower funding costs [3] - The strategy of small and medium-sized banks to raise short-term deposit rates amidst a general decline in rates is seen as a way to attract funds quickly while managing costs [5][6]