在利率市场化持续深化、银行净息差承压的行业背景下，南都湾财社记者近日登录工商银行、农业银 行、中国银行、建设银行、交通银行、邮储银行六大国有行官方App查询核实，5年期大额存单已全面 从线上在售产品列表中"下架"，核心供给集中于三年期及以下期限。 具体来看，工商银行"大额存单"栏目下仅保留1个月、3个月、6个月、1年、2年、3年六个期限选项，其 中三年期产品年利率为1.55%，1年期、2年期产品利率统一降至1.20%，更有部分三年期产品设置了100 万元的较高起存门槛，进一步提高了储户的准入门槛。 农业银行App中，三年期及以上期限的大额存单仅剩3款，且全部为3年期产品，起存金额分为500万元 和20万元两档，对应的年利率均锁定1.55%。 建设银行的在售大额存单覆盖1个月、3个月、6个月、1年及3年期限，起存金额统一为20万元，3年期产 品利率同样维持在1.55%。一国有行广州林和西支行工作人员向南都湾财社记者证实，"昨天刚收到通 "昨天刚收到的通知，现在只有三年期大额存单了，广州所有网点五年期的都已经取消。"12月3日，某 国有大行网点客户经理在接受南都湾财社记者采访时直言。 五年期大额存单集体"隐身"? ...

Group 1 - The People's Bank of China conducted a 356.4 billion yuan 7-day reverse repurchase operation at an interest rate of 1.40%, maintaining the previous rate, resulting in a net injection of 56.4 billion yuan after 300 billion yuan of reverse repos matured on the same day [1] - The Shanghai Interbank Offered Rate (Shibor) showed slight fluctuations, with the overnight Shibor decreasing by 0.20 basis points to 1.3140%, and the 7-day Shibor decreasing by 2.80 basis points to 1.4250% [1][2] - In the interbank pledged repo market, short-term funding prices fluctuated within 3 basis points, with R007 transaction volume exceeding 15%. The weighted average rates for DR001 and R001 decreased by 0.1 basis points and increased by 0.3 basis points, respectively [4] Group 2 - The overall funding situation remained balanced and slightly loose, with major banks providing sufficient funding supply. Overnight repo rates and certificate of deposit prices opened around 1.45%, with 7-day repo rates declining from 1.52% to around 1.50%-1.51% [9] - In the interbank certificate of deposit market, trading sentiment was generally weak, with the issuance of 1-month and 3-month certificates being the only active ones. The yields for 3-month and 6-month certificates increased slightly, while 1-year rates remained stable [10] - On November 27, the head of the National Financial Supervision Administration met with the Governor of the Central Bank of Azerbaijan to discuss macroeconomic financial conditions and strengthen bilateral financial regulatory cooperation [12]