Core Viewpoint - As the year-end approaches, there is an increased demand for investment and savings among citizens, but the availability of medium- to long-term deposit products in the market has decreased [1] Group 1: Bank Products and Interest Rates - Major state-owned banks, including Industrial, Agricultural, China, Construction, Communications, and Postal Savings banks, have shown that five-year large-denomination certificates of deposit (CDs) are no longer displayed on their apps [1] - The interest rates for three-year related products have generally dropped to between 1.5% and 1.75% [1] Group 2: Market Adjustments by Smaller Banks - Some small and medium-sized banks have also begun to adjust their deposit business, with Meizhou Commercial Bank recently announcing the removal of five-year fixed deposit products [1] - Institutions like Yilian Bank have also stopped displaying five-year large-denomination CDs on their apps [1] Group 3: Impact on Bank Profitability - Industry insiders analyze that the continuous narrowing of net interest margins has been a significant factor affecting banks' profitability in recent years [1] - The recent withdrawal of high-interest long-term deposit products by multiple banks is seen as a measure to stabilize the banks' net interest margins [1]

招联首席研究员、上海金融与发展实验室副主任董希淼表示，从近日公布的上市银行三季报看，上市银 行净息差仍然继续下降。净息差下降的主要原因是，银行加大向实体经济减费让利的力度，LPR已多次 下降。未来一段时间，在推动社会综合融资成本稳中有降的情况下，银行净息差可能还会下降，但降幅 可能趋缓。 人民财讯11月11日电，继存款利率倒挂、"长存利少"后，为深入调整负债结构，有中小银行开始下架了 长期限定期存款产品。未来，还会有更多银行跟进调整长期限存款产品吗？对此，多位业内人士表示， 当前银行净息差仍有下行趋势，商业银行确有负债成本管控需要，不排除有更多的长期限存款产品纳入 调整范围。 据证券时报记者了解，土右旗蒙银村镇银行是业内首家取消五年期定期存款产品的商业银行。业内人士 表示，此举是银行息差下行压力在产品端的直接传导。 ...