记者查询工、农、中、建、交、邮储六大国有银行的App发现，五年期大额存单已不显示，三年期相关 产品的利率普遍降到1.5%至1.75%。此外，部分中小银行也开始密集调整存款业务。 上海金融与发展实验室主任曾刚说，这是应对当前银行净息差持续下行挑战的一个必然选择。银行贷款 利率持续下行，导致过去几年银行资产端的收益率大幅缩水。如果银行不主动砍掉一些高息的长久期产 品，可能会面临比较严重的利差损耗甚至亏损的风险。从长期来看，不利于银行机构长期稳健经营，存 在潜在风险。 临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的中长期存款产品有所减少。 业内人士分析，净息差持续收窄是近些年影响银行盈利能力的重要原因。近阶段多家银行下架高息长期 存款产品有利于稳定银行净息差。曾刚认为，这意味着银行在未来的时间，盈利预期的确定性会增强， 为估值修复提供了最基本面的支撑。特别是一些具有低成本负债优势的大型银行，以及高股息率的银行 股，可能会更受长线资金的青睐。 据北京晚报 ...

原标题：中国银行、建设银行、工商银行、农业银行、交通银行、邮储银行，集体调整！ 每经编辑|杜宇 近期，临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的中长期存款产品有所减少。这是怎么回事？ 图片来源：视觉中国-VCG211390665395 最近，家住北京朝阳的万女士拿到年终奖，计划配置5年期大额存单，但是查询多家银行也没有选到合适产品。 据央视财经，记者查询工、农、中、建、交、邮储六大国有银行的App发现，五年期大额存单已不显示，三年期相关产品的利率普遍降到1.5%至1.75%。 此外，部分中小银行也开始密集调整存款业务。梅州客商银行近期公告已下架五年期定期存款产品，亿联银行等机构App也已不显示五年期大额存单。 据金融时报，回溯来看，5年期大额存单的退出并非突然之举。以中国银行为例，今年5月20日，中国银行曾在官网公开发布了《关于发售2025年第一期个人 大额存单的公告》，包括1个月、3个月、6个月、1年、2年、3年、5年共计七个期限。其中，3年期、5年期大额存单产品利率分别为1.55%、1.6%，但明确 标注"仅面向特定客户发售"。而如今记者查询发现，目前中国银行在售的产品列表中，已没有5 ...

"五年前买的一笔50万元大额存单到期了，问了几家银行都没有5年期定期存款产品。"北京西城的于阿姨说："剩 余还有3年期大额存款，利息只有1.25%，还不及5年前的1/3。" 银行业持续承压净息差 国家金融监督管理总局数据显示，2025年三季度商业银行净息差仅1.42%。12月22日，中信证券在中国发布研究 报告预测，2026年银行业净息差降幅将收窄至4个基点左右，这将是自2022年以来，年度净息差降幅首次降至低个 位数水平。这一变化对行业稳定具有重要意义。 业内人士分析，净息差持续收窄是近些年影响银行盈利能力的重要原因，近阶段多家银行下架高息长期存款产品 有利于稳定银行净息差。 年末，储蓄市场旺季迎来六大国有银行集体调整，长期高息存单全面退场。北京青年报记者在工、农、中、建、 交、邮储六大国有银行手机银行APP查询发现，曾作为"揽储利器"的五年期大额存单已实现"全线下架"，搜索结 果均显示"暂无在售产品"或"已售罄"。 五年期大额存单退场 11月末，3年期大额存单起存"门槛"普遍从传统20万元飙升至100万元-500万元，工行一款100万元起存的三年期产 品利率仅1.55%，与活期存款的收益差距持续收窄。 上 ...

近期，临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的中长期存款产 品有所减少。这是怎么回事？ 最近，家住北京朝阳的万女士拿到年终奖，计划配置5年期大额存单，但是查询多家银行也没 有选到合适产品。 上海金融与发展实验室主任 曾刚： 意味着银行在未来的时间，盈利预期的确定性会增强，对 这种估值修复提供了最基本面的支撑，特别是有一些具有低成本负债优势的大型银行，以及 高股息率的银行股，可能会更受到长线资金的青睐。 来源：央视财经 责编：叶舒筠 校对： 赵燕 记者查询工、农、中、建、交、邮储六大国有银行的App发现， 五年期大额存单已不显示， 三年期相关产品的利率普遍降到1.5%至1.75% 。此外，部分中小银行也开始密集调整存款业 务。梅州客商银行近期公告已下架五年期定期存款产品，亿联银行等机构App也已不显示五年 期大额存单。 上海金融与发展实验室主任 曾刚 ：是应对当前银行净息差持续下行挑战的一个必然选择。银 行贷款利率持续下行，导致过去几年银行资产端的收益率大幅缩水，如果银行不主动去砍掉 一些高息的长期产品，可能会面临比较严重的利差损耗甚至亏损的风险。从长期来看，这是 不利于银行机构长期稳健经 ...

经济观察网据央视财经，近期，临近年末，市民们的投资储蓄需求增加，但是部分市民发现，市场上的 中长期存款产品有所减少。记者查询工、农、中、建、交、邮储六大国有银行的App发现，五年期大额 存单已不显示，三年期相关产品的利率普遍降到1.5%至1.75%。 此外，部分中小银行也开始密集调整存款业务。梅州客商银行近期公告已下架五年期定期存款产品，亿 联银行等机构App也已不显示五年期大额存单。业内人士分析，净息差持续收窄是近些年影响银行盈利 能力的重要原因，近阶段多家银行下架高息长期存款产品有利于稳定银行净息差。 ...

活期利率逼近"0"，五年期大额存单下架，传统储蓄的吸引力正在快速消退。面对低利率环境，年轻投 资者开始转向由货币基金、债券基金和黄金基金组成的"新三金"配置，探寻资产保值增值的新玩法。 财富"三驾马车"各司其职 活钱、稳钱、长钱"稳"字当头 存款利率持续下行 理财市场迎来拐点 今年5月20日，国有六大银行完成第七轮人民币存款挂牌利率下调，活期存款利率降至0.05%，接近零 利率，1年期定存利率也降至1%以下。更值得关注的是，目前，六大国有银行已集体下架五年期大额存 单，三年期大额存单利率普遍调整至1.5%至1.75%区间，部分区域性银行甚至直接取消了三年期和五年 期的普通定期存款产品。 "低利率环境下，单纯依靠存款保值增值的难度加大。""90"后投资者郝女士感叹，这也成为当下年轻理 财人群的普遍心声。 中国人民银行发布的《2025年第三季度城镇储户问卷调查报告》显示，今年第三季度，倾向"更多储 蓄"的储户占比62.3%，较上一季度下降1.5个百分点。而倾向于"更多投资"的居民占 18.5%，比上季高 5.6个百分点。居民偏爱的前五位投资方式依次为："银行非保本理财""基金信托产品""股票""债 券"和"非消费 ...

Core Viewpoint - The scarcity of three-year large-denomination certificates of deposit (CDs) is a result of banks' reluctance to issue high-interest long-term deposits due to declining net interest margins and competitive pressures in the interest rate environment [3][9]. Group 1: Market Dynamics - Banks are currently facing a historical low net interest margin of 1.42%, making it unprofitable to issue three-year large-denomination CDs at rates around 2.5% [3]. - Major banks have collectively suspended five-year products and are limiting the issuance of three-year CDs to avoid being "trapped" by future interest rate declines [3]. - The demand for large-denomination CDs has surged, with rates of 2.2% being quickly exhausted, creating a cycle of increased competition among savers [3][9]. Group 2: Alternative Investment Options - **Savings Bonds**: State-backed savings bonds offer higher interest rates than large-denomination CDs, with a three-year rate of 2.35%, potentially yielding an additional 900-1800 yuan over three years for a 200,000 yuan investment [4]. - **Low-Risk Bank Wealth Management**: R1 and R2 level low-risk products can yield annualized returns of 2.8%-3.2%, significantly higher than three-year fixed deposits, with a focus on government and financial bonds [5]. - **Pure Bond Funds**: These funds, which invest solely in bonds, have shown an average increase of over 3.5% in the past year, with some products yielding up to 4%, providing a potential annual return of 7,000-8,000 yuan on a 200,000 yuan investment [6]. - **Bank Specialty Deposits**: Some banks offer specialty deposits with lower entry thresholds and competitive rates of 2.1%-2.3%, comparable to large-denomination CDs, without the need for competitive purchasing [7]. Group 3: Investment Strategy Recommendations - It is advised to avoid "pseudo-deposits" from non-bank institutions that lack deposit insurance, as they carry significant principal risk [8]. - Diversification is recommended, with no more than 500,000 yuan deposited in a single bank, and spreading investments across 2-3 institutions for wealth management and funds [8]. - Caution is advised regarding products promising returns exceeding 4%, as they may carry hidden risks [8].

Core Viewpoint - The banking industry in China is undergoing significant changes in deposit rules, with the discontinuation of five-year fixed deposits and increased thresholds for large time deposits, impacting the financial planning of ordinary citizens [1][2][3] Group 1: Changes in Deposit Products - Major state-owned banks, including ICBC, ABC, BOC, CCB, and others, have completely stopped offering five-year fixed deposit products [2] - The minimum investment for three-year large time deposits has surged from 200,000 to as high as 1,000,000 or even 5,000,000 in some banks [3] - The interest rates for three-year large time deposits have dropped to between 1.5% and 1.75%, significantly lower than previous years [2][3] Group 2: Reasons Behind Changes - The primary reason for these adjustments is the pressure on net interest margins, which have fallen to 1.42%, nearing a critical profitability threshold for banks [5] - Decreasing loan interest rates and intense competition for deposits have led to reduced income from loans while maintaining high costs for deposit liabilities [5] Group 3: Impact on Ordinary Citizens - The changes have severely affected individuals with savings of 100,000 or 200,000 who relied on stable interest income from deposits [6][7] - The potential interest earned from a one-year deposit of 100,000 is approximately 950, which is insufficient for basic expenses [6] - Long-term financial planning for purposes such as retirement or education has been disrupted, with the risk of reinvestment at lower rates after three years [7] Group 4: Investment Strategies - The "ladder deposit method" is suggested as a way to balance liquidity and returns by splitting savings into different term deposits [9] - For those with over 200,000, large time deposits can be considered, focusing on liquidity rather than high thresholds, as many products offer the same interest rate regardless of the investment amount [12] - The "new three gold" investment strategy, involving money market funds, pure bond funds, and gold, is recommended for better asset preservation and growth [14]

Market Trends - The market has experienced a continuous decline in trading volume, with the Shanghai and Shenzhen stock exchanges recording a trading volume of 1.55 trillion yuan, a decrease of 121 billion yuan compared to the previous trading day [4] - There is a noticeable shift towards defensive strategies, with small-cap growth stocks losing momentum while large-cap value stocks are performing better [5] Index Performance - As of today, the CSI A500 index has increased by 0.38% this week, while the CSI 2000 index has decreased by 1.55% [6] - The top-performing sectors this week include non-ferrous metals, telecommunications, home appliances, petrochemicals, transportation, and coal, with high dividend sectors making up a significant portion [6] Sector Analysis - Consumer sectors such as home appliances, food and beverage, textiles and apparel, and social services have a higher probability of success from December to January [7] - Sectors like petrochemicals, steel, non-ferrous metals, coal, building materials, and large financial institutions show a significant increase in success probability in January [8] Interest Rate Outlook - There is a high probability of interest rate cuts in the U.S. in December, which may lead to similar actions domestically [9] - Major state-owned banks have collectively removed five-year large-denomination time deposits from their platforms, with three-year products' interest rates dropping to between 1.5% and 1.75% [10] Investment Strategy - It is currently advisable to increase the allocation of high-dividend ETFs in investment portfolios [11] - A method for selecting high-dividend products involves using the "Dividend Yield Calculator" in the "Index Direct Pass" mini-program to view dividend yields and products [12][13] - The current dividend yield for the CSI Dividend Index is reported at 4.3% [16] Portfolio Recommendations - While high dividend rates are favorable at year-end, it is recommended to maintain a balanced portfolio that includes technology and dividend stocks, with a current emphasis on dividends and large-cap stocks [18]

Group 1 - The old-for-new consumption policy has benefited over 360 million people, with sales exceeding 2.5 trillion yuan in the first 11 months of the year. This includes over 11.2 million vehicles, 12.84 million home appliances, and 9.015 million digital products being replaced [1] - Cambodia will implement a visa-free policy for Chinese citizens from June 15 to October 15, 2026, allowing a 14-day stay without visa fees [2] - The Zhuque-3 reusable rocket successfully completed its mission, marking a significant achievement in commercial space exploration [3] Group 2 - In November, Shanghai's second-hand housing market saw transactions of nearly 23,000 units, a 24% increase from October, indicating a stabilization in the market [4] - Industrial and Commercial Bank of China has raised the minimum deposit for its three-year large-denomination certificates of deposit to 1 million yuan, with an interest rate of 1.55% [5] - Wanda Group has redeemed one of its Wanda Plazas for the first time after selling over 80 plazas, indicating a strategic shift in its asset management [6] Group 3 - Malaysia will resume the underwater search for the MH370 flight wreckage on December 30, 2023, as announced by the Ministry of Transport [7] - The U.S. Department of Homeland Security is expected to announce a ban on travelers from approximately 30 countries, adding to existing restrictions [8] - "Trump concept stocks," particularly American Bitcoin, experienced a significant drop, with shares falling over 50%, leading to multiple trading halts [9]