Recently, the Bank of China issued an announcement stating that it will launch the first batch of 2026 personal deposit slips on July 1, which has attracted market attention. According to the announcement, RMB standard fixed interest rate large deposit certificates are on sale in this issue, including a total of seven terms of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. There are three types of products: conventional products, No. 1 products, and No. 3 products. Among them, the 5-year annualized interest rate for conventional products is 1.6%; the 5-year annualized interest rate for No. 3 products is 1.55%, and the starting amount is 200,000 yuan. Lou Feipeng, a researcher at the Postal Savings Bank of China, told reporters that the Bank of China has restarted 5-year large deposit slips, reflecting the bank's need for stable debt against the backdrop of narrowing net interest spreads. The move aims to lock in long-term low-cost funds in advance to cope with downward pressure on asset-side returns. Tian Lihui, a finance professor at Nankai University, believes that the Bank of China's restart sale of 5-year large deposit slips is based on the special debt structure requirements of its own cross-border business, rather than a reversal of industry trends.

Recently, the Bank of China issued an announcement stating that it will launch the first batch of 2026 personal deposit slips on July 1, which has attracted market attention. According to the announcement, RMB standard fixed interest rate large deposit certificates are on sale in this issue, including a total of seven terms of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. There are three types of products: conventional products, No. 1 products, and No. 3 products. Among them, the 5-year annualized interest rate for conventional products is 1.6%; the 5-year annualized interest rate for No. 3 products is 1.55%, and the starting amount is 200,000 yuan. Lou Feipeng, a researcher at the Postal Savings Bank of China, told reporters that the Bank of China has restarted 5-year large deposit slips, reflecting the bank's need for stable debt against the backdrop of narrowing net interest spreads. The move aims to lock in long-term low-cost funds in advance to cope with downward pressure on asset-side returns. Tian Lihui, a finance professor at Nankai University, believes that the Bank of China's restart sale of 5-year large deposit slips is based on the special debt structure requirements of its own cross-border business, rather than a reversal of industry trends.