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整体跌至“1字头”,大额存单“失宠了”
21世纪经济报道· 2025-07-08 15:39
Core Viewpoint - The article discusses the decline in the attractiveness of large-denomination time deposits in the context of falling interest rates, leading to a shift in consumer investment behavior towards more appealing financial products like wealth management and insurance [1][2][4]. Summary by Sections Interest Rate Changes - Major banks have reduced interest rates on large-denomination time deposits, with rates now entering the "1" era, marking the first large-scale adjustment since 2025 [4]. - As of July 8, 2025, the interest rates for large-denomination time deposits at major banks are generally below 2%, with some rates even matching or falling below those of regular savings products [5][7]. Market Response - The decline in interest rates has led to a noticeable trend of "deposit migration," where funds are moving from traditional deposits to more attractive investment options such as wealth management and insurance products [2][10]. - The demand for large-denomination time deposits has decreased significantly, with fewer customers inquiring about these products [4][10]. Product Availability - Many banks have removed long-term large-denomination time deposits from their offerings, focusing instead on shorter-term products ranging from 1 month to 2 years [1][5]. - The availability of 5-year large-denomination time deposits has virtually disappeared, and even 3-year products are limited in supply [5][6]. Investment Trends - The shift in consumer behavior is reflected in the increasing popularity of wealth management products, with the market size surpassing 31.3 trillion yuan in the first half of 2025 [10]. - Financial advisors are now recommending products based on clients' liquidity preferences, with a focus on short-term fixed-income investments for those requiring higher liquidity [11][12].
南财观察|大额存单“失宠”:银行压成本,财富找新“家”
今年5月20日,工商银行等国有六大行率先降息,随后股份行、城商行相继跟进。这是2025年以来首次 大规模利率调整,此次调整完成后,中长期存款利率全面进入"1"时代,居民投资理财格局也悄然生 变。 "最近一段时间,前来咨询大额存单业务的客户相对较少。"广州某城商行理财经理向南方财经记者表 示,定期存款利率调降后,大额存单的利率也跟进下调。目前,该行大额存单收益已全面降到2%之 下。从收益来看,与普通存款产品等相比,大额存单的利率优势并不明显,甚至低于一些零钱理财类产 品收益,因此有些"失宠了"。 上述城商行的情况并非个例。工商银行APP显示,7月8日,该行在售的20万元起存的个人大额存单,分 别有1个月、3个月、6个月、1年、2年、3年,年利率分别为0.9%、0.9%、1.10%、1.2%、1.2%、 1.55%。总体来看,该行已无5年期大额存单在售,且出现1个月与3个月、1年期与2年期大额存单利率 持平的情况。 与之收益形成对比的是,该行50元起存的普通定期存款产品,1年期和3年期的利率同样为1.10%和 1.55%;该行主推的"天天盈"关联货币基金七日年化分布在1.02%到1.60%间。相较之下,收益率普遍 ...