曾经稳稳的存款收益，如今正悄然"缩水"，甚至部分银行直接让五年期定存"下架"？ 早年，这五年期定期存款是中老年投资者最信赖的理财方式之一。它保本、保息，利率高于短期存款，是保守型投资者的"安心之选"。 然而，时过境迁，这类产 品正逐渐退出主流舞台。 银行此举并非盲目跟风，而是有着深刻的现实考量。数据显示，2025年一季度，超三成定期存款客户提前支取，平均损失超过七成利息。 以10万元存五年期定存为例，如果存满到期，按1.6%的年利率可获利息8000元；但若在两年后提前支取，只能按0.05%的活期利率计息，利息仅100元，损 失高达98.75%。对客户和银行来说，这都是不愿看到的结果。 与此同时，银行存款利率已全面进入"1时代"。 更让人困惑的是，利率"倒挂"现象愈发普遍。比如中国建设银行三年期定期存款利率最高为1.55%，而五年期最高仅为1.3%。存五年反而比存三年收益低， 这种看似违背常理的现象，折射出银行对长期资金成本的忧虑。 而银行客户经理的推荐话术也悄然生变。当客户对定存利率表示"不满意"时，银保产品成为新的推销重点。 实际仔细看，银行下架五年期定存产品的背后，是我国银行业净息差持续承压的现实。净息差 ...

Group 1 - The era of "opening a store can earn money" for gold jewelry is over, as major brands like Chow Tai Fook and Lao Feng Xiang are experiencing significant declines in customer traffic, even in prime locations [1][1] - Chow Tai Fook closed nearly 1,000 stores in a year, with a net closure of 905 stores expected by 2025, reducing its retail points from 7,407 to 6,501 [1][1] Group 2 - The first village bank in Inner Mongolia has canceled its five-year fixed deposit product, indicating potential downward pressure on interest rates and profit margins in the banking sector [2] - TrendForce predicts a comprehensive price reduction for TV panels in November, while monitor panel prices are expected to remain stable [2][2] - China's smartphone sales are projected to decline by 2.7% year-on-year in Q3 2025, despite strong performance from the iPhone 17 Pro [2][2] Group 3 - A consortium of leading polysilicon companies is planning a "debt-acquisition" model for restructuring, with a fund size of approximately 70 billion yuan [3][3] - The Shanghai court ruled that AI prompt words do not constitute copyrightable works, impacting the legal landscape for AI-generated content [4][4] Group 4 - Juewei Food, once a leader in the duck neck market, reported a 15% decline in revenue and a 36% drop in net profit for the first three quarters of 2025, closing 5,000 stores [4][4] - The company’s revenue from marinated food sales decreased from 42.23 billion yuan to 35.27 billion yuan year-on-year [4][4] Group 5 - Rabbit Mom, a children's cosmetic brand, faced a product recall due to bacterial contamination but confirmed that the affected batch was destroyed before reaching the market [5][5] - Core Medical Technology became the first innovative medical device company to have its IPO application accepted under the newly restarted fifth set of standards on the Sci-Tech Innovation Board [5][5] Group 6 - China Aluminum elected He Wenjian as chairman and appointed Zhang Ruizhong as general manager, indicating a leadership change within the company [8][8] - Guocera Materials plans to repurchase shares worth between 100 million and 200 million yuan as part of its employee stock ownership plan [9][9] Group 7 - Chongqing Construction won a bid for the Jiangwan project with a contract value of approximately 781 million yuan, indicating ongoing infrastructure development [13][13] - Longjian Co. secured a 441 million yuan contract for a national road expansion project, reflecting continued investment in transportation infrastructure [14][14]