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against the background of the surge in a-shares, some investors chose to transfer bank certificates of deposit that were previously in short supply the day after they bought them.

taking private banks with higher deposit interest rates as an example, the national bank app shows that as of press time, among the 19 large-denomination certificates of deposit being transferred, 6 have value dates after september, and 3 of them have an annual interest rate of 3.15 % of the five-year certificates of deposit have value dates after september 20, with principals of 600,000 yuan, 270,000 yuan, and 300,000 yuan respectively, and their transfer prices are slightly higher than the principal amount.

there are also many people transferring large-denomination certificates of deposit in the webank app. among them, the latest large-denomination certificate to be transferred is a 3-year large-denomination certificate with an annual interest rate of 2.3%. the first deposit is september 28, and the remaining term is november 29, 2 years. that is, at the time of purchase one day after issuing the large-denomination certificate of deposit, the holder chooses to transfer the large-denomination certificate of deposit. in addition, there are a number of 3-year certificates of deposit that are being transferred in the transfer area. the converted annual interest rates are all 2.3%, and the deposit period ranges from september 24th to september 27th.

among joint-stock banks, large certificates of deposit with september interest rates are also available for transfer in the china merchants bank app. for example, a one-year large-denomination certificate of deposit that is being transferred has an annual interest rate of 1.92%, the principal of the certificate of deposit is 200,000 yuan, and the remaining period is 11 months and 15 days; there are also large-denomination certificate holders who are accruing interest just 9 days later, the company transferred a 2-year certificate of deposit with an annualized interest rate of 1.95%.

the paper consulted the account managers of several banks on this matter. an account manager of a joint-stock bank said that last friday, there were many people transferring large-denomination certificates of deposit on his bank's transfer platform, and there were also holders of large-denomination certificates of deposit who invested their deposits in the stock market after the certificates of deposit expired instead of depositing them in the bank again. . however, an account manager of a large state-owned bank said that he and his colleagues have not yet encountered customers transferring large certificates of deposit.

previously, the "out of stock" of large certificates of deposit had attracted market attention. according to a report by the securities times in june, large state-owned banks and joint-stock banks were "out of stock" of three-year large-denomination certificates of deposit, and some banks also stopped selling large-denomination certificates of deposit with a term of six months or more.

an industry expert analyzed the paper and said that the increase in bank transfers of large-denomination certificates of deposit may be related to the "money-making effect" brought about by the recent recovery in stock market sentiment. some large-denomination certificates of deposit funds have been cashed out into the stock market. in the short term, market sentiment is still on the high side, and some inflows of deposit certificates and other funds cannot be ruled out.

on september 24, the state council information office held a press conference and announced a number of favorable policies, including interest rate cuts, reserve requirement ratio cuts, existing mortgage interest rates, and the creation of new monetary policy tools to support the stock market. a-shares subsequently rose sharply. within one week last week, the shanghai composite index, shenzhen component index, and chinext index rose by 12.81%, 17.83%, and 22.71% respectively.