最新报道：On December 2nd, Bijie.com reported that, according to the Financial Times, several Chinese banks have successively stopped selling long-term, large-denomination certificates of deposit (CDs). According to investigations, six major state-owned banks—Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China (ABC), Bank of China (BOC), China Construction Bank (CCB), Bank of Communications (BOCOM), and Postal Savings Bank of China (PSBC)—have completely stopped selling 5-year CDs. Some joint-stock banks and city commercial banks have also begun to scale back their long-term deposit business. A search through the official apps of these six major banks revealed that the terms of large-denomination CDs have become significantly shorter, with the longest term being only 3 years. Interest rates have also decreased compared to last year. For example, ICBC's 3-year CD has an interest rate of 1.55%, while the 1-year and 2-year CDs both have an interest rate of 1.20%. Furthermore, Bank of China and CCB have also removed 5-year CDs, with only a few available in their transfer lists. Bijie.com notes that the withdrawal of long-term, large-denomination CDs is not sudden. In May of this year, Bank of China announced that 5-year large-denomination CDs would only be sold to specific customers, but this has now been completely discontinued. Meanwhile, there is also a shortage of 3-year large-denomination certificates of deposit, with some banks reducing their longest available term to 2 years. Liu Yinping, an analyst at Rong360 Digital Technology Research Institute, explained that this change is related to the current downward trend in interest rates, as banks tend to reduce the supply of long-term deposit products in a low-interest-rate environment. On the other hand, in the past two years, residents have shown strong enthusiasm for saving, leading to rapid growth in bank deposits, while credit demand has been weak, resulting in low enthusiasm among banks to attract long-term deposits.