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a few days ago, private equity manager dan bin posted a picture on weibo, in which the dialogue showed: "there are still 10 days left, and the three-month fixed (deposit) interest will expire. i don't want the regular interest anymore and join the stock market."

this is not necessarily a joke.

a-shares have been rising for days, and even novice investors have to "take deposits to brave the stock market"? large-denomination certificates of deposit that were previously difficult to obtain have caused a rare "transfer wave".

the webank app shows that the current annual interest rate for three-year large-denomination certificates of deposit is 2.25%, and the annual interest rate for two-year large-denomination certificates of deposit is 2.20%. among them, the three-year certificate of deposit with an annual interest rate of 2.25% is "sold out".

it is reported that the interest start time of many new large-denomination certificates of deposit is basically after september 20, and the majority are three-year large-denomination certificates of deposit. among them, the interest period for the large certificate of deposit that is to be transferred is september 25th. in other words, the large-denomination certificate of deposit was listed for transfer in the transfer area just two days after it was purchased.

half of the certificates of deposit awaiting transfer at zhongbang bank have interest dates in september.

in addition, in the large-denomination certificate of deposit transfer area of ​​china merchants bank, there are also many large-denomination certificates of deposit with interest starting in late september. in order to quickly change hands, some investors even set a certain profit margin and are willing to transfer part of the interest held to the receiver. (source: 21st century business herald)