原标题：多家商业银行取消5年期大额存单—— 5年期定存产品为何变少了 导客户填写单据，办理存款业务。倪松摄 近日，交通银行吉林延边分行营业部员工指 中国建设银行江苏常州武进支行近日在江苏 省常州市武进区前黄镇设立金融惠民服务点，向居民介绍理财知识。向攀摄 银行定期存款被很多居民视为最安全最稳妥的理财方式之一。每逢岁末年初，不少银行都会举办各类活 动以吸引储户。不过，随着市场利率一直维持在低位，银行揽储优惠力度有所减弱，特别是备受储户们 关注的5年定期存款产品开始"供不上"。对此，业内人士表示，5年期定存"淡出江湖"是当前低利率市场 环境下的客观结果，应从宏观、微观等方面综合理性看待。总体看，专业化正成为理财市场发展的长期 趋势。 利率走低，银行压缩长期存款产品 在许多银行的官方网站或APP上，存款产品依然被置于显要位置。仔细观察，则会发现一些变化：5年 期定存产品变少了。 比如，中国银行等国有大型商业银行5年定期存款中基本只有"整存整取"产品，大额存单产品中找不到5 年期的身影。招商银行、中信银行、民生银行等情况也差不多，大额存单以3年期、2年期及以下产品为 主。一些中小银行甚至取消了"整存整取"的5年期定存 ...

Core Viewpoint - The article discusses how commercial banks are focusing on cost reduction and efficiency improvement in response to the ongoing pressure of narrowing net interest margins and declining asset yields [1][2]. Group 1: Liability Management - Commercial banks are actively reducing high-cost deposit products as a response to the central bank's interest rate cuts, leading to historically low deposit rates [3][4]. - A total of 42 listed banks in A-shares reported a decrease in interest expenses to 3.43 trillion yuan, an 11.36% decline compared to the same period last year, with some banks like Ping An Bank seeing a reduction of 21.61% [5]. - Banks are implementing strategies to clean up high-cost deposits and adjust deposit product structures to further lower overall liability costs [6]. Group 2: Operational Efficiency - Banks are adopting a "frugal" management approach to reduce operational expenses, with half of the listed banks reporting a decrease in their cost-to-income ratios compared to the previous year [7][8]. - Xi'an Bank showed a significant reduction in its cost-to-income ratio from 25.18% to 18.50%, well below the industry average of 31.82% [8]. - Major banks like Postal Savings Bank have also reported a decrease in operational expenses, attributing this to enhanced cost management and digital transformation efforts [9][10]. Group 3: Digital Integration - Banks are consolidating their mobile applications to reduce operational and maintenance costs, moving towards a "less but better" approach in app management [11][12]. - Several banks have closed independent credit card apps and integrated their functions into main banking apps, reflecting a shift from vertical management to localized operations [13][14].

Core Viewpoint - The banking industry is focusing on cost reduction and efficiency improvement in response to narrowing net interest margins and declining asset yields, with strategies including managing high-cost deposits, optimizing operational expenses, and integrating digital ecosystems [1] Group 1: Cost Management Strategies - Commercial banks are actively reducing high-cost deposits as a response to the central bank's interest rate cuts, leading to historically low deposit rates and the withdrawal of long-term deposit products [2][3] - Effective management of liability costs can significantly alleviate interest expense pressures for banks, with 42 listed banks reporting a total interest expense of 3.43 trillion yuan in the first three quarters, an 11.36% decrease year-on-year [4] - Banks like Chongqing Bank are implementing strategies to clean up high-cost deposits and adjust deposit product structures to further lower overall liability costs [4] Group 2: Operational Cost Optimization - In a context of sluggish revenue growth, banks are adopting frugality in operations, with half of the listed banks reporting a decrease in their cost-to-income ratios compared to the previous year [5] - Among the 42 listed banks, 17 reported negative growth in business and management expenses, while those with positive growth kept it within 0% to 3% [5] - Postal Savings Bank reported a 2.66% decrease in business and management expenses, attributing this to enhanced cost management and accelerated digital transformation [6] Group 3: Digital Integration and Streamlining - Banks are engaging in a "declutter" initiative, closing down independent apps and consolidating functions into main banking apps to improve efficiency and reduce operational costs [8][9] - The trend includes shutting down independent credit card apps and merging their functions into main banking applications, reflecting a shift from vertical management to localized operations [9]