【导读】年末揽储旺季之际，蓝海银行将全部存款产品统一标注为"售罄" 中国基金报记者 马嘉昕 另据一位蓝海银行储户表示，该行这种存款"售罄"状态也有一段时间了。"因为民营银行的存款利率相对较高，所以倾向于在此存款，但最近一段时间该 行均没有额度。" 此外，今年以来，蓝海银行也频繁下调存款利率，据统计，仅上半年其便8次下调存款利率。 临近年末揽储旺季之际，竟然有中小银行悄然将全部存款产品统一标注为"售罄"！ 全部存款产品竟统一标注"售罄" 蓝海银行手机银行App显示，截至目前，该行"银行存款"界面的包括7天通知存款、3个月定期存款、6个月定期存款等全部期限存款产品的申购额度均显 示为"售罄"状态。 不过，在记者操作中发现，目前"蓝宝宝"各期限的存款同样显示为"售罄"。据悉，此产品是蓝海银行的特色存款产品，目前，该存款产品的期限包括3个 月、6个月、1年期、2年期、3年期和5年期，对应显示的存款利率分别为1.35%、1.45%、1.65%、1.85%和2%。 1.35% 3个月定期 伊人 最高年利率 存款期限 1.45% 6个月定期 fir 存款期限 最高年利率 1.65% 1年定期 官) 存款期限 最高年利率 1 ...

Core Viewpoint - The interest rates for large time deposits in state-owned and joint-stock banks have dropped to the "1" range after multiple rounds of interest rate cuts, with some banks removing large time deposits with terms longer than three years [1][2] Group 1: Current Market Conditions - Large time deposits with interest rates above 2% are rarely found, primarily in regional and internet banks [1] - Internet banks are offering higher interest rates on large time deposits, but these products often have limited availability and require reservations, leading to waiting times of one week to several months [1][5] - The starting amount for large time deposits is generally 200,000 yuan, with rates slightly higher than regular fixed deposits, and they are included in the deposit insurance scheme [1] Group 2: Specific Bank Offerings - WeBank offers two types of "large time deposit+" products with interest rates of 3% and 2.1%, respectively, but the former is currently unavailable for reservations [1][2] - MyBank has a two-year large time deposit with a listed interest rate of 1.6% and a dedicated transfer area for high-interest deposits [2] - Citic Baixin Bank limits the issuance of high-interest large time deposits to new customer benefits, with a current rate of 2.1% for two-year deposits [2] Group 3: Financial Performance and Strategies - Internet banks are experiencing a narrowing net interest margin, with private banks' net interest margin decreasing from 4.11% at the end of last year to 3.91% by mid-year, although still higher than most traditional banks [5] - WeBank's net interest margin is projected to decline from 6.04% at the end of 2023 to 5.71% by mid-2024, while MyBank's is expected to rise slightly from 3.34% to 3.48% in the same period [5] - Internet banks are implementing various measures to control funding costs, including promoting the transfer of maturing fixed deposits to bank wealth management products and reducing fixed deposit rates [5][6]

Core Viewpoint - The company plans to continue using part of its temporarily idle raised funds for cash management to improve fund management efficiency without affecting the construction of fundraising projects [1][6]. Fundraising Basic Situation - The company issued 693,009,118 shares at a price of 3.29 RMB per share, raising a total of approximately 2.28 billion RMB, with a net amount of about 2.27 billion RMB after deducting issuance costs [1][2]. Reasons for Idle Funds - As of June 2025, the company had a balance of 565 million RMB in raised funds, with cumulative usage of 1.736 billion RMB, including 1.114 billion RMB for previous projects and 70 million RMB for 2025 projects [3][5]. Previous Cash Management - By the end of June 2025, the company had used 445 million RMB of temporarily idle funds for cash management, which was within the approved limit of 450 million RMB [3][4]. Current Cash Management Plan - The company aims to use up to 450 million RMB of idle funds for cash management, with a usage period of 12 months from the board's approval date [5][6]. Investment Products and Safety - The company will invest idle funds in low-risk products such as time deposits, large certificates of deposit, and 7-day notice deposits to ensure safety [5][6]. Decision-Making Process - The board of directors approved the cash management plan, and the sponsor provided a special verification opinion confirming compliance with regulations [6][8].

Core Viewpoint - The company has approved the use of idle raised funds for cash management, ensuring that it does not affect the implementation of investment plans and effectively controls investment risks [1][2]. Summary by Sections Cash Management Plan - The company will use up to RMB 586 million of temporarily idle raised funds for cash management, investing in low-risk, high-liquidity financial products with principal protection from reputable financial institutions [1]. - The investment period will not exceed 12 months from the date of board approval, allowing for rolling use of funds within the specified limit [1]. Redemption Situation - The company redeemed RMB 5 million of temporarily idle raised funds through a 7-day notice deposit with China Merchants Bank, receiving a total return of RMB 7,777.78 [1]. - The principal and earnings from this investment have been returned to the raised funds account [1]. Recent Cash Management Activities - In the past 12 months, the company has made 6 investments in cash management products totaling RMB 716 million, with 2 redemptions amounting to RMB 135 million and 4 investments still outstanding totaling RMB 581 million [1]. - The highest single-day investment amount in the last 12 months was RMB 586 million, representing 16.58% of the company's net assets for the past year [1]. Financial Performance Metrics - The cumulative return from cash management in the last 12 months is 0.0056% of the company's net profit for the same period [2]. - The total amount of funds currently utilized for financial management is RMB 581 million, with an unused limit of RMB 5 million, making the total financial management limit RMB 586 million [2].

Core Viewpoint - The recent interest rate cuts by China Construction Bank and China Merchants Bank signify a broader trend in the banking sector, with one-year deposit rates falling below 1%, indicating diminishing returns for depositors [1][3]. Summary by Sections Interest Rate Adjustments - Both banks have reduced their savings account interest rates to 0.05%, resulting in a mere 50 yuan interest for a one-year deposit of 1 million yuan [3]. - The three-month to two-year fixed deposit rates have been cut by 15 basis points, while three-year and five-year rates have decreased by 25 basis points, with five-year rates now at 1.3% [3]. - A notable inversion in rates has emerged, where the three-year fixed deposit rate (1.9%) is higher than the five-year rate (1.55%) at China Construction Bank [3]. Market Trends - Over 20 banks have followed suit in reducing interest rates since April, leading to a widespread entry into the "1% era" for deposit rates [3]. - The low-interest environment is prompting a shift in consumer behavior, with increased inquiries into alternative investment products such as bank wealth management, money market funds, and gold [4]. Impacts on Consumers - The reduction in interest income is significant; for example, a 100,000 yuan deposit now yields 950 yuan annually, down from 1,100 yuan, equating to a loss of 150 yuan [4]. - The attractiveness of traditional savings accounts is declining, pushing consumers to diversify their investments and adopt a more proactive approach to wealth management [4]. Strategic Recommendations - Consumers are advised to compare rates across banks to find higher-yield options, particularly among smaller and private banks, which may offer rates significantly above those of major banks [5]. - A suggested strategy is to implement a "laddering" approach to deposits, spreading funds across different term lengths to optimize interest earnings while maintaining liquidity [5]. - Diversifying into various financial products is recommended, including government bonds, index funds, and insurance products, to mitigate the effects of low interest rates and potential inflation [6][7].