继中小银行成批下架五年期存款后，六大国有行也停售了五年期大额存单。 看这趋势，全面下架五年期存款，估计只是时间问题。 早在前两年，就有银行 5 年期存款利率比 3 年期还低，现在干脆下架，信号很明显了： 那时候存 1 万块钱进去，一年光利息就有 1386 块，按这节奏，存个六年差不多翻倍。 而现在存 1 万，一年利息 100 来块，只有原来的 1/10。 为什么那时候利息特别高？ 依赖长期、高息、刚兑存款来"躺赢"的理财旧时代，即将结束。 今天，我们就来聊聊这个话题，主要内容如下： 五年期存款，为何被抛弃？ 五年期存款，从新中国建立银行体系以来就一直存在。 为什么过去几十年银行抢着卖，现在却着急要下架？ 把时钟拨回 90 年代初，那是银行存款最高光的阶段，到了 1993 年，5 年期存款基准利率直接冲到 13.9%。 当时正值改革开放后的黄金发展期，百业待兴。 国家要修路、建厂、搞基建，个人和企业要下海创业，这些都离不开贷款。 这个阶段的银行很缺钱，更缺长钱，急需用高息把老百姓口袋里的钱借进来，再以更高价放贷出去赚利差。 即便进入 21 世纪初期，我们面对的依然是一个"高增长、高通胀、资金稀缺"的特殊环境，老 ...

Core Viewpoint - The recent trend of lowering deposit rates among small and medium-sized banks is driven by the need to optimize liability structures and control funding costs, amidst a backdrop of anticipated interest rate declines and the phenomenon of inverted deposit rates for different maturities [1][2][3][4] Group 1: Deposit Rate Adjustments - Several small and medium-sized banks, including Suzhou Commercial Bank and Pingyang Pudong Development Village Bank, have announced reductions in deposit rates, with some three-year and five-year rates decreasing by as much as 80 basis points [1][2] - Suzhou Commercial Bank will lower its three-year deposit rate from 2.2% to 2.1% starting October 22, with a minimum deposit requirement of 100,000 yuan [1] - The trend of rate reductions is not isolated, as multiple banks have made similar announcements, indicating a broader industry shift [2] Group 2: Inverted Deposit Rates - The phenomenon of inverted deposit rates, where shorter-term deposit rates exceed those of longer-term deposits, is becoming increasingly common across various types of banks, including state-owned and joint-stock banks [2][3] - For instance, China Construction Bank offers a three-year deposit rate of 1.55%, which is higher than its five-year rate of 1.3% [3] - This inversion is attributed to market expectations of further interest rate declines, leading banks to adjust their deposit offerings accordingly [3] Group 3: Liability Structure Adjustments - Industry experts suggest that the inverted deposit rates are linked to banks' efforts to adjust their liability structures in response to increasing pressure on the funding side [3][4] - Banks are actively lowering long-term deposit rates to optimize their funding costs and mitigate the impact of narrowing net interest margins [3] - The anticipated future decline in interest rates is prompting banks to reassess their deposit strategies to maintain operational efficiency [4]