"刘经理，今天的面筋道不？"老板老马总会隔着柜台大声问道。 "马老板的手艺，没得挑！"小刘擦擦额角的汗，憨厚地笑着。 这样的对话重复了上百次，直到有一天，小刘注意到老马还在用那张泛黄的打印二维码，边缘已经磨 损。"马老板，现在用我们银行的收款码，手续费更低，第二天自动到账，还有语音提醒呢。" 老马搓着沾满面粉的手，有些犹豫："我们这些小本生意......" "我帮您申请，不要任何费用。"小刘掏出手机，"您看，这是操作流程，很简单。" 信任，就在这一碗碗热气腾腾的牛肉面中慢慢熬煮、发酵。第二天，老马真的来了银行。小刘手把手教 他使用收款码，耐心解答每个问题。临走时，老马看着大厅的存款利率表驻足："这个定期，比我现在 存的那家高啊？" "这是我们新推出的特色存款，靠档计息，灵活收益。"小刘递上宣传折页，"您要是感兴趣，我可以详 细介绍一下。" 每天中午，当银行大厅的人潮渐散，小刘总会快步走向街角那家兰州拉面馆。玻璃窗内，面团在老板手 中飞舞，如同小刘在柜台点钞般娴熟——两个看似毫无交集的世界，就这样因一碗面产生了奇妙的联 结。 作为北方人，小刘对面食有着与生俱来的眷恋。初来南方工作的那些日子，是这家拉面馆熨帖了他 ...

Core Viewpoint - The scarcity of three-year large-denomination certificates of deposit (CDs) is a result of banks' reluctance to issue high-interest long-term deposits due to declining net interest margins and competitive pressures in the interest rate environment [3][9]. Group 1: Market Dynamics - Banks are currently facing a historical low net interest margin of 1.42%, making it unprofitable to issue three-year large-denomination CDs at rates around 2.5% [3]. - Major banks have collectively suspended five-year products and are limiting the issuance of three-year CDs to avoid being "trapped" by future interest rate declines [3]. - The demand for large-denomination CDs has surged, with rates of 2.2% being quickly exhausted, creating a cycle of increased competition among savers [3][9]. Group 2: Alternative Investment Options - **Savings Bonds**: State-backed savings bonds offer higher interest rates than large-denomination CDs, with a three-year rate of 2.35%, potentially yielding an additional 900-1800 yuan over three years for a 200,000 yuan investment [4]. - **Low-Risk Bank Wealth Management**: R1 and R2 level low-risk products can yield annualized returns of 2.8%-3.2%, significantly higher than three-year fixed deposits, with a focus on government and financial bonds [5]. - **Pure Bond Funds**: These funds, which invest solely in bonds, have shown an average increase of over 3.5% in the past year, with some products yielding up to 4%, providing a potential annual return of 7,000-8,000 yuan on a 200,000 yuan investment [6]. - **Bank Specialty Deposits**: Some banks offer specialty deposits with lower entry thresholds and competitive rates of 2.1%-2.3%, comparable to large-denomination CDs, without the need for competitive purchasing [7]. Group 3: Investment Strategy Recommendations - It is advised to avoid "pseudo-deposits" from non-bank institutions that lack deposit insurance, as they carry significant principal risk [8]. - Diversification is recommended, with no more than 500,000 yuan deposited in a single bank, and spreading investments across 2-3 institutions for wealth management and funds [8]. - Caution is advised regarding products promising returns exceeding 4%, as they may carry hidden risks [8].