Core Viewpoint - Jiangxi Yumin Bank is considering stopping the issuance of existing deposit points and is seeking customer feedback on this potential change [1][1] Group 1: Company Actions - A screenshot from a customer manager at Jiangxi Yumin Bank indicates that the bank is contemplating the cessation of existing deposit points [1][1] - The bank previously offered deposit products with interest subsidies, where the interest was distributed in the form of points that could be redeemed for items like JD.com gift cards [1][1] Group 2: Customer Communication - The official customer service of Jiangxi Yumin Bank confirmed that the bank is currently in a research and consultation phase, gathering opinions from customers [1][1] - The customer service representative stated that there has been no verified plan regarding the cessation of point issuance [1][1]

Core Viewpoint - Jiangxi Yumin Bank is considering stopping the issuance of existing deposit points, which has led to dissatisfaction among depositors who view these points as part of their deposit interest rates [3][5]. Summary by Sections Deposit Products and Interest Rates - Yumin Bank previously offered deposit products with interest points, where the annualized comprehensive interest rate could reach 3.6% for 3-year and 5-year deposits, later decreasing to around 3.3% [6]. - The bank's fixed deposit rates for 1, 2, 3, and 5 years are 1.35%, 1.5%, 2%, and 2.05%, respectively, with additional interest points of 1.75%, 1.7%, 1.3%, and 1.25%, leading to comprehensive rates of 3.1%, 3.2%, 3.3%, and 3.3% [7]. Customer Reactions and Communication - Customers have expressed their opposition to the proposed changes, with many contacting customer service or their account managers to voice their concerns [8]. - The bank's customer service stated that the plan to stop point issuance is still in the consultation phase and has not been officially confirmed [5][8]. Regulatory Environment - There has been a trend among private banks to lower the comprehensive interest rates on existing deposits, with similar actions reported at other banks like Zhenxing Bank and Yilian Bank [11]. - Regulatory bodies have intensified compliance management regarding deposit solicitation practices, prohibiting high-interest solicitation methods such as manual interest compensation [12].