连日来，"五年定存退场怎么理财"的词条频频登上热搜，内蒙古土右旗蒙银村镇银行一则公告引发市场 关注。据了解，该行宣布取消五年期整存整取定期存款产品，成为业内首家下架该产品的商业银行。银 行取消五年期定期存款，只是个例还是行业趋势?为此记者进行了更大范围的"摸底"了解，发现不少民 营银行和互联网银行都存在这一情况。伴随利率普降、长期存款利率"倒挂"等现象持续显现，一度被视 为稳健理财首选的长期定存，正逐步退出主流舞台。 据了解，土右旗蒙银村镇银行是业内首家公告取消五年期定期存款的商业银行。值得注意的是，五年期 定存产品"消失"的现象并非个例。同样位于内蒙古的昆都仑蒙银村镇银行自11月4日起调整定期存款利 率，调整后5年期定存利率不再显示。此外，记者注意到，包括中信百信银行、中关村银行、苏商银行 在内的多家民营银行和互联网银行在售的存款产品中，也已难觅五年期定存的踪影。其中，中关村银行 甚至一同下架了三年期定存，仅限存量自动续存。 为何下架? 应对净息差收窄，压降计息负债成本 有业内人士分析，银行停售五年期定存主要是为应对净息差收窄。在当前货币政策适当宽松背景下，贷 款利率下降快于存款利率，导致中长期存款成本相对 ...

Core Viewpoint - The trend of long-term, high-interest fixed deposits is fading, as evidenced by a village bank's decision to remove its five-year fixed deposit product, indicating a shift in asset allocation due to declining interest rates [2][3]. Group 1: Changes in Deposit Products - A village bank announced the cancellation of its five-year fixed deposit product effective November 5, 2025, signaling a shift in strategy among commercial banks, particularly smaller ones, to lower long-term liabilities in response to ongoing pressure on net interest margins [2]. - The average one-year fixed deposit rate among major domestic banks has dropped to 0.95%, reflecting a broader trend of declining deposit rates [2]. - Experts suggest that traditional views on saving in banks need to change, as high-interest earnings from fixed deposits are no longer viable, prompting investors to consider alternative low-risk, liquid products like bank wealth management and government bonds [2][4]. Group 2: Growth of Wealth Management Products - The number of individuals holding bank wealth management products increased by 12.70% year-on-year in the first three quarters of this year, with third-party platforms experiencing even more significant growth [3]. - For instance, the user base of the "Stable Profit Treasure" product from MyBank saw a remarkable 67% year-on-year increase, significantly outpacing the industry average [3]. - The average annualized yield for bank wealth management products is approximately 2.12%, while some cash management products like "Stable Profit Treasure" have achieved yields around 2.58%, making them more attractive than traditional fixed deposits [4]. Group 3: Banking Industry Transformation - The withdrawal of long-term fixed deposits and the rise of wealth management products reflect a broader transformation in banking business models, with a focus shifting towards wealth management services [4]. - Future competition among banks will center on their ability to provide diversified asset allocation solutions rather than just the number of branches or deposit volumes [4]. - Market observers predict that more small and medium-sized banks may follow suit in adjusting their long-term deposit strategies, emphasizing the need for investors to enhance their financial literacy and diversify their investment portfolios in a low-interest-rate environment [4].

该行宣布自2025年11月5日起，取消五年期整存整取定期存款产品，成为业内首家明确公告下架该期限产品的商业银行。据证券时报、智通财经报 道，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。 同时，多家中小银行纷纷下调不同期限存款利率，部分民营银行亦出现中长期定存产品"售罄"或下架。这一系列动作背后，是上市银行三季报显 示的净息差持续承压现状。 近日，内蒙古土右旗蒙银村镇银行一则公告引发市场关注。 | 产品分类 | 调整前(单位:%) | 调整后(单位:%) | | --- | --- | --- | | 三个月 | 1.15 | 1.10 | | 六个月 | 1.35 | 1.30 | | 一年 | 1.50 | 1.45 | | 二年 | 1.60 | 1.55 | | 三年 | 1.95 | 1.85 | | 五年 | 1.90 | | 截图来源：内蒙古土右旗蒙银村镇银行官微 某资深银行业分析人士在接受《每日经济新闻》记者采访时指出，这正是银行息差压力向负债端产品策略传导的清晰信号，其影响不仅关乎银行 自身的成本控制，更可能为后续贷款利率调整打开空间，并引导资金流向资本市场。 存款产品结构调 ...

Core Viewpoint - The recent decision by the Tongyu County Mengyin Village Bank to cancel its five-year fixed deposit product reflects the broader trend among small and medium-sized banks to adjust their deposit structures in response to declining interest margins and pressures on profitability [1][2][5]. Group 1: Bank Adjustments - Tongyu County Mengyin Village Bank is the first commercial bank to eliminate the five-year fixed deposit product, indicating a direct transmission of pressure from declining interest margins to product offerings [2]. - The bank has also reduced interest rates on other fixed deposit products, with the one-year rate decreasing from 1.50% to 1.45%, the two-year rate from 1.60% to 1.55%, and the three-year rate from 1.95% to 1.85% [2]. - Other small and medium-sized banks have similarly announced reductions in deposit rates, with some experiencing cuts of up to 80 basis points [2]. Group 2: Industry Trends - The adjustments made by small and medium-sized banks are indicative of a larger industry trend, where banks are reluctant to accept longer-term deposits due to cost control and liability structure management [3]. - The five-year large denomination certificates of deposit (CDs) have also seen a decline, with many banks no longer offering them, and new issuances reflecting lower interest rates compared to previous offerings [4]. - Analysts suggest that the downward trend in net interest margins will likely continue, prompting more banks to adjust their long-term deposit products [5][6]. Group 3: Future Outlook - Industry experts predict that more banks may follow suit in adjusting their long-term deposit products as net interest margins remain under pressure [5]. - The ongoing decline in loan market quoted rates (LPR) and the need for banks to manage funding costs effectively will drive further reductions in deposit rates [6]. - Banks are expected to continue lowering deposit rates to alleviate the pressure on interest margins, with varying degrees of adjustment based on market competition and customer positioning [6].

Regulatory Dynamics - The People's Bank of China has increased its gold reserves for the 12th consecutive month, reaching 74.09 million ounces (approximately 2,304.457 tons) as of the end of October, up by 30,000 ounces (approximately 0.93 tons) from September [2] - The State Administration of Foreign Exchange reported that China's foreign exchange reserves rose to $3.343 trillion at the end of October, up from $3.339 trillion at the end of September, influenced by major economies' monetary policies and macroeconomic data [2] Industry Dynamics - Seven banks have surpassed 100,000 private banking clients, with notable growth rates exceeding 10% in several institutions, including Minsheng Bank, Beijing Bank, and Nanjing Bank, which all reported growth rates above 15% [6] - The number of small loan companies in China has decreased to 4,863 as of the end of September, with a total loan balance of 722.9 billion yuan, reflecting a significant industry contraction [7] - The insurance sector has seen a 30% year-on-year increase in technology insurance premium income in the first three quarters of the year, significantly outpacing the industry average [7] Corporate Dynamics - Qingdao Bank announced that Guoxin Chanquan Holdings increased its stake in the bank's H-shares by 49 million shares, raising its total ownership from 13.55% to 14.39% [8] - Ant Group has restructured its organization, upgrading its digital healthcare division to a health business group, aiming to make healthcare a strategic pillar of its operations [8] - Xiaohongshu has acquired a payment license by fully controlling Dongfang Electronic Payment Co., increasing its registered capital from 121.3 million yuan to 200 million yuan [8] - Xinjiang Rural Commercial Bank has received approval to establish, marking the sixth provincial-level rural commercial bank in the country, with assets exceeding 700 billion yuan [9] - Jiujiang Bank has initiated a capital increase plan, proposing to issue up to 860 million domestic shares and 175 million H-shares [10]

Group 1: Foreign Exchange Reserves - As of the end of October 2025, China's foreign exchange reserves stood at $33,433 billion, an increase of $47 billion from the end of September, representing a growth rate of 0.14% [1] Group 2: Gold Reserves - By the end of October, China's gold reserves reached 7.409 million ounces, with a month-on-month increase of 30,000 ounces, marking the 12th consecutive month of gold accumulation [2] - The steady increase in gold reserves indicates the central bank's strategic positioning of gold as a reserve asset, enhancing long-term support for gold prices [2] Group 3: Banking Sector Adjustments - A bank in Inner Mongolia has announced the cancellation of its five-year fixed deposit product, reflecting a broader industry trend to lower deposit rates and reduce funding costs [3] - The bank continues to offer shorter-term deposit products with rates ranging from 1.10% to 1.85% for three months to three years [3] Group 4: Gold Tax Regulations - Following the implementation of new gold tax regulations, banks have reported stable prices and sufficient supply of investment gold bars, indicating minimal impact from the new rules [4] - The regulations distinguish between investment and non-investment gold, with investment gold bars purchased from banks remaining largely unaffected [4] Group 5: New Bank Establishment - The establishment of Xinjiang Rural Commercial Bank has been approved, marking a significant step in the unified legal person reform of rural financial institutions in Xinjiang [5] - This will be the sixth provincial-level unified legal person rural commercial bank in the country and the first in the northwest region [5]

Core Viewpoint - The recent decision by a village bank in Inner Mongolia to discontinue five-year fixed-term deposits reflects a broader trend in the banking industry aimed at reducing liability costs through lower deposit rates and the removal of high-cost deposit products [1][2][3] Summary by Sections Deposit Products - A village bank in Inner Mongolia announced the cancellation of five-year fixed-term deposits effective November 5, 2025, while still offering shorter-term deposits with rates of 1.10%, 1.30%, 1.45%, 1.55%, and 1.85% for three months, six months, one year, two years, and three years respectively [1] - Many banks continue to offer five-year fixed-term deposits, but some have stopped offering high-value certificates of deposit, indicating a unique situation in the market [1][2] Interest Rates and Trends - The five-year fixed-term deposit rate at Industrial and Commercial Bank of China is 1.3%, which is lower than the three-year rate of 1.55% [2] - China Postal Savings Bank's researcher suggests that banks are reducing long-term liabilities to lower costs due to uncertain interest rate trends [2] Net Interest Margin - The overall net interest margin for banks is under pressure, with a reported decline to 1.42% in Q2 2025, down 0.01 percentage points from Q1 [2][3] - Many banks have adjusted deposit rates downward, with state-owned and joint-stock banks' rates falling below 2% [2] Strategic Responses - Analysts indicate that banks are collectively choosing to lower deposit rates and reduce liability costs as a strategy to stabilize net interest margins [3] - Future strategies may include further reductions in deposit rates and minimizing implicit costs associated with deposits [3][4] Market Outlook - Some listed banks are showing signs of marginal improvement in net interest margins, with expectations that the decline in margins will stabilize, potentially leading to positive growth in net interest income by 2026 [4]

Core Viewpoint - The cancellation of the five-year fixed deposit product by the Tongyu County Mengyin Village Bank marks a significant shift in the banking industry, potentially indicating expectations of declining interest rates and pressure on interest margins [1][3]. Summary by Sections Cancellation of Five-Year Fixed Deposit - The Tongyu County Mengyin Village Bank announced the cancellation of its five-year fixed deposit product effective November 5, 2025, making it the first bank to do so in the industry [1][3]. - The bank adjusted its deposit rates, lowering the one-year rate from 1.50% to 1.45%, the two-year rate from 1.60% to 1.55%, and the three-year rate from 1.95% to 1.85% [3][4]. Industry Context - Several other small and medium-sized banks have recently lowered their deposit rates, with some reductions reaching up to 80 basis points, yet they continue to offer five-year fixed deposit products [5]. - The cancellation of the five-year product is unprecedented, as banks typically opt to withdraw three-year or five-year large deposits instead [5][6]. Comparison with Larger Banks - Major banks such as Industrial and Commercial Bank of China and China Merchants Bank still offer five-year fixed deposit products, with rates of 1.55% and 1.30% respectively [6][7]. - The differing strategies among banks regarding fixed deposit offerings may be influenced by their unique liability situations and the need to balance deposit scales under interest margin pressures [7].

Core Viewpoint - The announcement by the Tongyu County Mengyin Village Bank regarding the adjustment of deposit interest rates marks a significant shift in the banking sector, particularly with the cancellation of the five-year fixed deposit product, which is the first case in the industry [1] Summary by Category Interest Rate Adjustments - The bank has adjusted the one-year fixed deposit rate from 1.50% to 1.45% [1] - The two-year fixed deposit rate has been changed from 1.60% to 1.55% [1] - The three-year fixed deposit rate has been reduced from 1.95% to 1.85% [1] Cancellation of Deposit Products - The bank has explicitly canceled the five-year fixed deposit product, which previously had an interest rate of 1.90%, leaving it as a vacant option [1] - This cancellation is noted as the first clear case in the industry to eliminate a five-year fixed deposit product [1] Regulatory Context - The deposits accepted by the bank are protected under the "Deposit Insurance Regulations" [1]

Core Viewpoint - The article provides a detailed analysis of the five-year fixed deposit interest rates offered by Agricultural Bank of China as of August 7, 2025, highlighting the potential returns and considerations for investors [1][2]. Summary by Sections Five-Year Fixed Deposit Earnings Calculation - The annual interest rate for a five-year fixed deposit is 1.95%. For an investment of 100,000 RMB, the total interest earned over five years would be 9,750 RMB, calculated using simple interest [1]. Important Considerations - **Official vs. Actual Rates**: The calculation is based on the official rate, but actual rates may vary by branch. It is essential to confirm the final rate with the bank before making a deposit [1]. - **Early Withdrawal Penalties**: If funds are withdrawn before the five-year term, interest will be calculated at the lower current savings rate, leading to significant losses [2]. - **Interest Rate Fluctuation Risks**: Choosing a five-year term locks in the interest rate, protecting against potential future declines [4]. - **Automatic Renewal Impact**: If the deposit is set for automatic renewal, the interest earned will be added to the principal for the next term at the new rate [4]. Comparison with Other Investment Options - **Three-Year Fixed Deposit**: A hypothetical three-year fixed deposit at 2.0% would yield 6,000 RMB in the first three years, with potential additional earnings if reinvested, but it carries the risk of changing rates upon renewal [5]. - **Large Denomination Certificates of Deposit**: For amounts starting at 200,000 RMB, these typically offer higher rates than standard fixed deposits [7]. - **Savings Bonds**: Currently, savings bonds offer rates that may exceed those of fixed deposits, backed by government credit, making them a secure investment option [7]. Recommendations - Investors are advised to confirm the actual interest rates with their local Agricultural Bank branch and to compare various financial products, including three-year fixed deposits, large denomination CDs, and low-risk options like government bonds, to find the best fit for their financial needs [6][7].