Recently, towards the end of the year, the public's demand for investment and savings has increased, but some citizens have discovered that medium- to long-term deposit products on the market have declined. The reporter queried the apps of the six major state-owned banks in agriculture, agriculture, China, construction, transit, and postal storage, and found that five-year large deposit certificates no longer showed, and interest rates on three-year related products had generally dropped to 1.5% to 1.75%. In addition, some small to medium banks have also begun to intensively adjust deposit operations. Meizhou Commercial Bank recently announced that it has removed 5-year time deposit products, and institutional apps such as Yilian Bank no longer display 5-year large deposit slips. Industry insiders analyzed that the continued narrowing of net interest spreads is an important reason affecting banks' profitability in recent years. Recently, many banks have removed high-interest long-term deposit products to help stabilize banks' net interest spreads.

Recently, towards the end of the year, the public's demand for investment and savings has increased, but some citizens have discovered that medium- to long-term deposit products on the market have declined. The reporter queried the apps of the six major state-owned banks in agriculture, agriculture, China, construction, transit, and postal storage, and found that five-year large deposit certificates no longer showed, and interest rates on three-year related products had generally dropped to 1.5% to 1.75%. In addition, some small to medium banks have also begun to intensively adjust deposit operations. Meizhou Commercial Bank recently announced that it has removed 5-year time deposit products, and institutional apps such as Yilian Bank no longer display 5-year large deposit slips. Industry insiders analyzed that the continued narrowing of net interest spreads is an important reason affecting banks' profitability in recent years. Recently, many banks have removed high-interest long-term deposit products to help stabilize banks' net interest spreads.