Quietly removed the tool of attracting deposits, small and medium-sized banks bid farewell to the path of relying on "high-interest deposit attraction".

Since 2026, medium and long-term fixed-term deposits, which were once seen as a tool for small and medium-sized banks to attract deposits, are experiencing large-scale removal. According to research by journalists, currently many private banks such as Beijing Zhongguancun Bank, Jilin Yilian Bank, Weihai Lanhai Bank, etc., do not have three-year and five-year fixed-term deposits for sale. Some of these banks periodically put up two-year fixed-term deposits for sale in a limited quantity. Under the double pressure of continuously shrinking net interest margins and stricter regulation, small and medium-sized banks are bidding farewell to the path of "high interest deposit attraction," and a deep structural adjustment around the liability side has already begun.