同样10万元存3年定期，股份制银行最高可获利息5550元，较国有大行多赚1800元，适合注重服务体 验、希望在安全基础上提升收益的储户。 民营银行：高息领跑，整体表现亮眼 进入 2026 年开工季，居民闲钱配置需求持续升温，哪家银行理财产品利息更高成为市场关注焦点。 在整体利率下行的宏观背景下，国有大行、股份制银行与民营银行之间的理财产品收益率差距进一步拉 大。调研发现，银行形成清晰的收益梯队，其中，民营银行凭借灵活定价与精准资产配置，整体收益率 领跑行业，正成为追求稳健高收益投资者的新宠。 国有大行：稳健为先，利率维持低位 国有六大行（工、农、中、建、交、邮储）作为存款市场"压舱石"，以极致安全性为核心优势，利率始 终处于市场低位。活期存款年利率统一为0.05%，仅能满足资金临时周转需求；整存整取定期存款中， 1年期利率0.95%、2年期1.05%、3年期1.25%、5年期1.30%，短期与中长期利率差距较小；大额存单 （20万元起存）3年期利率在1.55%-1.65%之间，邮储银行略高于其他五大行。 以10万元存款为例，存入国有大行3年定期，到期利息仅3750元，适合风险承受能力极低、优先追求资 金安全的 ...

原标题：九卦 | 面对67万亿存款到期潮，中小银行的留客之道 来源：九卦金融圈 作者：王润石（上海金融发展研究实验室特聘研究员、重庆财经学院副教授、九卦金融圈专栏作家） 2026年，中国银行业将迎来一场规模空前的定期存款集中到期潮，据中金公司测算，到期资金规模预计 在50–75万亿元之间，其中核心部分源自2022–2023年疫情防控期间居民避险情绪催生的中长期定期存 款，1年期及以上长期限存款占比超89%，达67万亿元，较2025年同比增加10万亿元。 与此同时，市场利率持续下行态势未改，三年期定期存款利率普遍跌破1.8%，2026年开年虽有阶段性 回暖，中小银行三年期定存普遍回升至1.95%，但整体仍处于低位，国有大行三年期利率仅1.25%，股 份行在1.55%—1.85%之间，形成清晰的利率分层格局。叠加居民风险偏好持续保守、国有大行吸储能 力边际下降的多重背景，中小商业银行迎来了前所未有的"存款搬家"战略窗口期。 然而，机遇背后暗藏挑战。对于资本实力、品牌影响力均处于劣势的中小银行而言，若盲目跟风通过提 高存款利率揽储，必然会显著抬升负债成本、压缩净息差空间，甚至引发流动性风险，陷入"高成本揽 储—盈利 ...

南财智讯2月26日电，多利科技公告，公司于2026年2月26日召开第三届董事会第二次会议，审议通过 《关于继续使用部分闲置募集资金及自有资金进行现金管理的议案》，同意使用不超过1.00亿元（含本 数）的部分闲置募集资金和不超过4.00亿元（含本数）的闲置自有资金进行现金管理，投资品种包括结 构性存款、定期存款、协议存款、通知存款、大额存单等安全性高、流动性好、期限不超过12个月的保 本型产品（募集资金仅限保本型），以及安全性高、流动性好的银行及其他金融机构发行的理财产品 （自有资金）；使用期限自董事会审议通过之日起12个月内有效；资金在额度范围内可滚动使用；不会 影响募集资金投资项目进度和公司正常生产经营。 ...

Core Viewpoint - Anhui Jianghuai Automobile Group Co., Ltd. has signed a tripartite supervision agreement for the management of raised funds, ensuring investor protection and compliance with relevant regulations [1][3]. Fundraising Details - The company issued 70,168,404 shares at a price of 49.88 RMB per share, raising a total of approximately 3.5 billion RMB (around 35 billion) [1]. - After deducting issuance costs of approximately 20.02 million RMB, the net amount raised is approximately 3.48 billion RMB (34.80 billion) [1]. Fund Management Agreement - A special account has been established for the raised funds, which will only be used for the development of high-end intelligent electric platforms [3]. - The company can manage temporarily idle funds through safe financial instruments, with the requirement to report to the supervising party [4]. - The supervising party has the right to monitor the use of funds and can conduct on-site investigations [5]. Compliance and Reporting - The company must notify the supervising party if withdrawals exceed 50 million RMB or 20% of the net raised funds within 12 months [7]. - The supervising party can replace designated representatives and must report any non-compliance to the Shanghai Stock Exchange [7][8]. - Confidentiality obligations are established for all parties regarding sensitive information obtained during the agreement [7].

Core Viewpoint - The company has approved a plan to utilize temporarily idle raised funds for cash management, allowing for investment in low-risk, liquid financial instruments [1] Group 1: Board Meeting and Approval - The company will hold its third board meeting on February 12, 2026, to review and approve the cash management proposal [1] - The maximum amount for cash management is set at RMB 100 million [1] Group 2: Investment Duration and Conditions - The investment period for the cash management plan is from April 14, 2026, to April 13, 2027, valid for 12 months [1] - The funds can be used in a rolling manner within the approved limit [1] Group 3: Investment Direction - The investment will focus on high-security, liquid financial products such as structured deposits, agreement deposits, notice deposits, time deposits, large certificates of deposit, and income certificates [1] - The funds are not permitted to be used for pledging or for securities investment purposes [1] - The cash management activities will not affect the progress of the fundraising investment projects or the company's normal operations [1]

Core Viewpoint - The company plans to utilize part of its temporarily idle raised funds for cash management, ensuring that it does not affect the normal investment plan and guarantees fund safety [2]. Group 1: Cash Management Plan - The company intends to use up to RMB 200,000,000 (including principal) of idle raised funds for cash management, focusing on high-security, good liquidity, and capital preservation bank deposit products [2]. - The cash management products may include but are not limited to agreement deposits, time deposits, and large-denomination certificates of deposit, with a maximum term of 12 months [2]. - This cash management plan does not require submission for shareholder meeting approval [2]. Group 2: Current Status of Cash Management - As of the announcement date, the company has a remaining balance of RMB 54,000,000 from the temporarily idle raised funds used for cash management [2]. - The highest daily balance and usage period of the idle raised funds for cash management have not exceeded the authorization range set by the company's board of directors [2].

Core Viewpoint - A new round of deposit interest rate cuts has begun, with major banks reducing rates on large-denomination certificates of deposit (CDs), indicating a shift in the banking sector aimed at alleviating interest margin pressure and better serving the real economy [1][5]. Group 1: Interest Rate Changes - Major state-owned banks have lowered the annualized interest rates on 1-month and 3-month large-denomination CDs to below 1%, with some products seeing a maximum reduction of 35 basis points [1][2]. - The latest rates for China Bank's CDs are 0.9% for 1-month and 3-month terms, and 1.1% for 6-month terms, marking a significant decrease from previous rates [2][3]. - Other banks, including Industrial and Agricultural Banks, have also reduced their 1-month and 3-month CD rates to 0.9% [4]. Group 2: Implications for Banks and Investors - The reduction in deposit rates is expected to help stabilize banks' net interest margins, which have been under pressure, as evidenced by a 9 basis point decline to 1.43% in the first quarter of this year [5][6]. - Analysts suggest that investors should adjust their expectations for investment returns and consider a diversified asset allocation strategy, including cash management products and government bonds, in light of declining deposit rates [6].

Core Viewpoint - The company plans to utilize part of its temporarily idle raised funds for cash management, with a maximum amount of RMB 2.8 billion, ensuring that this arrangement will not affect the progress of investment projects or normal operations [1] Group 1 - The company will hold its ninth board meeting on February 10, 2026, to approve the proposal for cash management of idle funds [1] - The investment limit for cash management is set at RMB 2.8 billion, which includes the principal amount [1] - The investment products will have a maximum term of 12 months and can be rolled over within 24 months from the board's approval date [1] Group 2 - The source of funds for this cash management will be temporarily idle raised funds [1] - The investment direction focuses on high safety, good liquidity, and capital preservation, including but not limited to structured deposits, notice deposits, time deposits, and large certificates of deposit [1] - The arrangement is designed to ensure that it does not impact the progress of investment projects or the company's normal production and operations [1]

Core Viewpoint - The company has approved a proposal to use up to 180 million yuan of temporarily idle raised funds for cash management, focusing on low-risk, high-security investment products [1] Group 1: Proposal Details - The board meeting will be held on February 9, 2026, to review the proposal for cash management [1] - The approved amount for cash management is not to exceed 180 million yuan, which includes over-raised funds [1] - The investment products will include structured deposits, time deposits, financial institution income certificates, notice deposits, and large-denomination certificates of deposit [1] Group 2: Investment Strategy - The selected investment products are characterized by high safety, good liquidity, and low risk [1] - The effective period for the cash management strategy is 12 months from the date of approval by the first extraordinary general meeting of shareholders in 2026 [1] - The funds can be rolled over within the approved limit without affecting the progress of the raised funds investment projects and the company's normal production and operations [1]

Core Viewpoint - The company plans to utilize temporarily idle raised funds for cash management, focusing on low-risk investment products to ensure safety and liquidity [1] Group 1: Board Meeting and Approval - The company will hold its second board meeting on February 9, 2026, to review and approve the proposal for cash management using idle funds [1] - The proposal includes using up to RMB 300 million of temporarily idle raised funds for cash management [1] Group 2: Investment Strategy - The investment direction will focus on low-risk, capital-preserving products with high safety and liquidity, including but not limited to structured deposits, time deposits, notice deposits, income certificates, and large-denomination certificates of deposit [1] - The usage period for these funds will be effective for 12 months from the date of board approval [1] Group 3: Impact on Operations - The funds can be used on a rolling basis within the approved limit and will not affect the progress of the investment projects funded by the raised capital or the company's normal production and operations [1]