专家：银行下架5年期大额存单是降低负债成本之举 金十数据7月3日讯，近日，工行、建行、招行等多家大中型商业银行以及多地农村商业银行纷纷下架5 年期大额存单产品，3年期大额存单投放量也较少。"目前，银行业净息差处于低位。在资产端持续降低 实体经济融资成本的情况下，需要从负债端挖掘空间以稳定息差。存款是银行主要负债来源，因此需要 降低存款等负债成本。"中国邮政储蓄银行研究员娄飞鹏表示，大额存单的利率水平一般随着期限延长 而提升，银行的负债成本也更高，下架5年期大额存单是降低负债成本之举。专家建议，在低利率时代 的家庭理财规划中，一方面要采用"固收+"策略，配置中短期债基；另一方面通过全球资产配置捕捉全 球范围内的经济增长机会。 （经济日报） ...

Group 1 - Major commercial banks, including ICBC, CCB, and CMB, have recently suspended 5-year large-denomination certificates of deposit (CDs), with a reduced issuance of 3-year CDs as well [1] - The suspension of 5-year CDs is a strategy to lower funding costs as banks face low net interest margins and need to stabilize them by reducing liabilities [1] - The overall trend in the financial market shows a simultaneous decline in both deposit and loan interest rates, which is necessary for stabilizing banks' net interest margins and better serving the real economy [1] Group 2 - In May, a significant adjustment in deposit interest rates occurred, with major state-owned banks leading the way, resulting in medium- and long-term deposit rates entering the "1%" era [2] - The withdrawal of 5-year large-denomination CDs indicates a diminishing opportunity for investors to rely on medium- to long-term savings for wealth preservation and growth, highlighting the need for diversified investment strategies [2] - Investors are advised to compare different financial products, focus on interest rate trends, and choose products with better overall returns, while also being aware of the terms and conditions of these products [2] Group 3 - Investors are encouraged to allocate a portion of their portfolios to high-rated bonds and bond funds to complement savings with stable returns [3] - For those with higher risk tolerance, investing in equity assets through index funds can provide long-term capital appreciation potential [3] - Establishing a dynamic rebalancing mechanism is recommended to adjust asset allocations based on economic conditions and market valuations, achieving an effective balance between risk and return [3]