本文字数：2810，阅读时长大约4分钟 作者 | 第一财经 安卓 定期存款要"提前兑付"？近日，一则关于亿联银行将提前兑付某存款产品的消息在社交平台炸开了 锅，多位客户表示收到亿联银行的电话通知，根据通知，亿联银行决定于近日针对3年专享款存款产 品进行提前兑付。 7月7日，第一财经就上述传闻向该行客服求证，客服表示，亿联银行目前没有对任何产品进行止 付，"如果对产品有调整的话，我行会提前在亿联银行的公众号进行公告。"该客服表示。 第一财经发现，这款名为"3年专享款"存款产品的综合年利率高达4.2%，利率由两部分构成，一部分 为产品本身的年利率，而另一部分，则是与第三方合作的增利利率。 提前兑付3年定存产品？ 关于亿联银行将提前兑付"3年专享款"存款产品的消息最早于7月4日在社交平台流传，并很快引发了 该行储户的关注。 第一财经获得的一份未核实来源的录音显示，亿联银行AI客服播报称：为响应国家金融监管合规经 营要求，有效维护金融市场秩序，我行经审慎研究决定于近日针对"3年专享款"存款产品进行提前兑 付，您持有的相关产品按照原产品约定利率和实际持有天数计息，本金和利息自动兑付到活期账户。 2025.07. 08 ...

Core Viewpoint - The news revolves around Yilian Bank's decision to potentially redeem a specific deposit product early, which has raised concerns among customers regarding interest loss and the bank's financial practices [1][2]. Group 1: Early Redemption of Deposit Products - Yilian Bank is reportedly considering early redemption of its "3-Year Exclusive Deposit" product, which has a comprehensive annual interest rate of 4.2% [1][2]. - Customers have expressed concerns that early redemption would result in a loss of nearly one year of interest, as the product was originally set to mature in September 2026 [2]. Group 2: Interest Rate Structure - The "3-Year Exclusive Deposit" product's interest rate consists of a base rate of 2.95% plus an additional 1.25% linked to a third-party incentive related to the "Deposit Insurance Regulations," resulting in a total of 4.2% [2]. - Other deposit products from Yilian Bank also feature similar structures, such as the "Good Yilian 32-Day" product with a total rate of 3.6% and the "Exclusive 366-Day" product with a total rate of 3.8% [3]. Group 3: Third-Party Involvement - Customers are required to sign an agreement with a third party, Hunan Chengshengde Technology Co., Ltd., to receive the additional interest, indicating that the incentive rates are not fixed and may fluctuate [4]. - Hunan Chengshengde has previously been involved in Yilian Bank's promotional activities, raising concerns about the legitimacy of these practices [5]. Group 4: Financial Performance and Challenges - Yilian Bank has faced declining revenues and profits since 2020, with a reported net loss of 5.9 billion in 2024, making it the only loss-making bank among 19 private banks that year [7]. - The bank's total assets and liabilities have both significantly decreased, with total assets dropping by 21% to 408.22 billion and total liabilities also down by 21% to 379.66 billion by the end of 2024 [8]. - The bank's heavy reliance on personal fixed deposits, which account for over 84% of its deposit balance, has created pressure, especially in a declining interest rate environment [8].