The Bank of Communications' large-sum deposit certificates are sold out, with only one-year products available in the Beijing area.

On December 3, the reporter found that the mobile APP of China Merchants Bank was showing "currently no large amount of savings available for purchase" in the hot-selling savings section, with only transferable savings available for sale. In response, a customer service representative from China Merchants Bank told the reporter, "Our bank has limited sales of large savings products. If it shows as unavailable online, it means they are sold out. We suggest you inquire at nearby branches to see if there are any remaining large savings products available." The reporter exclusively learned from customer managers at China Merchants Bank in various locations that the bank currently only offers exclusive large savings products for customers in certain areas, with most having a maturity of one year or less. For example, Xiao Xu, a customer manager in Beijing for China Merchants Bank, told the reporter that the bank only offers a one-year personal large savings product exclusively for customers in Beijing, starting at 200,000 RMB with an annual interest rate of 1.40%.