某券商银行业分析师向财联社记者表示，考虑到年末结账、年终奖发放等因素，年末、年初是各家银行揽储的关键环节，此时集中发售大额存单并不意外。同时，在“开门红”营销环节，大额存单产品也是银行的主要“武器”之一。Especially since late November, about 20 local banks nationwide have intensively announced the launch of large-denomination certificates of deposit. Additionally, some annualized interest rates are still above 2%.
On December 5th, Caixin learned (Reporter Peng Kefeng) while many complain about the lack of principal-protected high-yield deposit products, some banks currently selling large-denomination certificates of deposit can still bring 'small surprises' to investors.
On December 4th, Laiwu Rural Commercial Bank and Anshun Rural Commercial Bank simultaneously announced the launch of large-denomination certificates of deposit. Today, according to Caixin reporters' statistics, since late November, many banks have intensively released large-denomination certificate of deposit products. One branch of Postal Savings Bank of China has openly "marketed" its own products on WeChat public account. In terms of interest rates, some banks still have large-denomination certificates of deposit with annual rates exceeding 2%.
A certain brokerage's banking industry analyst told Caixin reporters that considering factors such as year-end closing, year-end bonuses, etc., the end of the year and the beginning of the year are critical stages for banks to attract deposits. Therefore, the concentrated sale of large-denomination certificates of deposit at this time is not surprising. At the same time, during the 'New Year' marketing phase, large-denomination certificates of deposit products are also one of the main "weapons" for banks.
Welcome to buy! 2 banks simultaneously released large-denomination certificates of deposit.
Who said it's hard to find large-denomination certificates of deposit? At least recently, local banks are still keen on releasing such products.
On December 4th, Laiwu Rural Commercial Bank announced on WeChat that from now until the 8th, Laiwu Rural Commercial Bank's 'exclusive large-denomination certificates of deposit' are officially launched. Among them, a recommended product has an annualized rate of 1.55%, with a minimum deposit of 0.2 million (one year); another product has an annualized rate of 1.60%, with a minimum deposit of 0.2 million (two years).
Laiwu Rural Commercial Bank also stated that investors can download the 'Shandong Rural Credit' mobile banking app by scanning the QR code and make purchases online.
On the same day, Anshun Rural Commercial Bank released information on the sale of large certificates of deposit on its WeChat public account. In the announcement, Anshun Rural Commercial Bank stated that the one-year large certificate of deposit has been issued with an annual interest rate of 1.9%. For every 0.1 million yuan invested, the investor can earn 1900 yuan in one year. The quota is limited, first come, first served, and the deadline for processing is before February 31, 2024.
Since late November, about 20 banks have introduced large certificates of deposit.
A Financial Association journalist's statistics found that from November, especially late November, about 20 local banks nationwide have intensively announced the introduction of new large certificates of deposit. Additionally, some banks are still offering annual interest rates above 2%.
For instance, on December 2, Zhouning Rural Credit Cooperative Union released a message on their WeChat account announcing the issuance of a 3-year 20 million yuan large certificate of deposit with a 2.2% annual interest rate (simple interest). Investors can purchase it through bank branches or mobile banking, with a minimum investment of 0.2 million yuan and an increment of 0.01 million yuan. Hainan Bank also revealed that they are offering new personal large certificates of deposit with a 3-year 2.35% annual interest rate.
However, some banks have not disclosed the specific interest rates for large certificates of deposit on their WeChat accounts. Qinghai Rural Credit Union recommended large certificates of deposit on November 27, including nine different terms ranging from 1 month to 5 years. They mentioned that rural commercial banks eligible for issuance include Xining Rural Commercial Bank, Datong Rural Commercial Bank, Huzhu Rural Commercial Bank, Qilian Rural Commercial Bank, Gonghe Rural Commercial Bank, Yushu Rural Commercial Bank, and more than 10 other institutions. Investors can inquire at various rural commercial bank branches. "The final deposit rate is subject to the public announcements of rural commercial bank branches in Qinghai Province."
Postal Savings Bank branches have also stated that large certificates of deposit are available. Listed banks are also taking action.
It is worth noting that this year, due to various reasons, several state-owned and joint-stock banks have successively announced the suspension of some large certificates of deposit, which briefly sparked widespread public attention. However, recently, some state-owned banks quietly promoted their own large certificates of deposit products, and listed banks have also introduced related products.
On November 29, the Suqian branch of Postal Savings Bank released an article titled "Postal Savings Bank's Large Certificates of Deposit, Secure Returns for Peace of Mind." The bank announced that on December 2 at 9 a.m., they will start selling large certificates of deposit including one year, six months, and three months, with a starting subscription point of 0.2 million yuan. "Limited quotas. For more details, consult each branch."
On December 3, qingdao rural commercial bank released a WeChat public account article, stating that in December, it issued a certain large-sum deposit certificate for individual customers (1-year term), with an annualized interest rate of 1.72%, starting at 200,000 yuan. However, qingdao rural commercial bank also stated, "there are more terms available for selection".
