Large-sum fixed deposits have fully entered the era of 1. Some depositors claim that the interest on 200,000 deposits for 3 years is 2,000 less.

Recently, with the arrival of a new round of interest rate cuts, the interest rates of large-sum time deposits have all entered the "1%" era, with some banks even directly removing 5-year large-sum time deposit products from their shelves. "If I deposit 200,000 yuan for three years, I will receive about 2,000 yuan less in interest." Hu, a depositor, felt helpless when he saw the interest rate of 1.55% for a three-year large-sum time deposit on his mobile banking app. Just three months ago, he could find products with an annual interest rate of around 2%, but now that has become history. Under this wave of interest rate cuts, the interest rates for large-sum time deposits in banks have generally decreased, causing a decrease in income for many depositors.