Chinese banks resume large-denomination CD sales; medium- and long-term products sell out
Current overview (not historical)
Major Chinese banks, joint-stock banks, city and rural commercial banks, and foreign banks have restarted issuing large-denomination certificates of deposit, and many medium- and long-term products have already sold out. State-owned banks are offering rates up to 1.60 percent, while Minsheng Bank’s five-year product reaches 1.79 percent and Yongfeng Bank’s three-year product reaches 1.92 percent. The restart follows a reversal by the six major state-owned banks, which collectively removed five-year products in November 2025 and brought them all back by October 2026. Separately, the People’s Bank of China released a draft management proposal in June to lower the individual subscription threshold from 300,000 yuan to 200,000 yuan and permit transfers of these deposits.
Written with AI from the reporting · updated 11/6/2026
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- 1Unclassified fact stationNov 6, 08:55single sourcereport-time onlyrevised
多家银行重启大额存单发行，5年期利率最高1.60%
Read original source ↗ China News Service · FinanceReplay this moment in the explorerEvidence & revisions · 1 source records
- Subject：
- 国有大行、股份行、城农商行、外资行等
- Action：
- 集中重启大额存单发行
- Object：
- 大额存单
- Occurred (fact side)：
- not recorded
- Published (valid side)：
- Nov 6, 08:31
- First seen (known side)：
- Nov 6, 08:55
Fact stationSingle source · one-sided claimRevisedReport-time onlyCopy may have been revised later; time replay is bounded. Layer labels group reading only, not causation between layers.
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- China News Service · FinanceRelated fact: single sourceFact occurrence time unverifiedSource report revisedLarge-denomination certificates of deposit return as Chinese banks restart issuance
Report first recorded Nov 6, 08:55
Chinese state-owned, joint-stock, city/rural commercial and foreign banks have collectively restarted issuing large-denomination certificates of deposit. State banks offer up to 1.60 percent, Minsheng Bank's five-year product reaches 1.79 percent, and Everbright Bank's three-year product reaches 1.92 percent, though many medium- and long-term products are sold out. The products were delisted collectively in November 2025 and returned by October 2026; the central bank's June draft rules propose lowering the individual threshold to 200,000 yuan and allowing transfers.
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- 10Nov 6, 09:00
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