[deposit interest rates downward hot sales of large certificates of deposit] on June 6th, against the background of lower deposit rates, large certificates of deposit became popular again. The reporter learned that many banks' large certificates of deposit are "difficult to obtain" and require customers to make an appointment in advance. In terms of interest rates, the interest rates of large certificates of deposit of banks vary greatly, and the interest rates of some small and medium-sized banks are higher, with the highest exceeding 4%. People in the industry believe that small and medium-sized banks are in a relatively weak position in the deposit market because their products and services and brand image are difficult to catch up with large banks, and often attract depositors with higher deposit interest rates. in the future, small and medium-sized banks still have some room to control the cost of debt. (China Securities News)