“躺赚”时代结束？银行正劝退五年定存，理财产品补位

21经济网2025-11-14

11月14日，21财经·南财快讯记者走访和致电多家银行，发现部分银行出现三、五年期定存利率持平甚至“倒挂”现象，五年期定存业务正在淡出，取而代之的是高利率的理财产品。招商银行工作人员向记者表示，暂未接到五年期定存业务下架通知。光大银行称三年期定存利率与五年期一致，而民生银行则表示三年期“安心存”产品年化收益为1.7%，已高于五年期定存收益。利率倒挂下，越来越多储户正选择收益更高的三年期定存业务。...

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