[private bank large certificate of deposit interest rate "against the wind" part of the five-year annualized interest rate reached 4%)-- since the beginning of this year, with several rounds of deposit interest rates cut by banks, the general long-term deposit rate of banks has entered the "2 era." Recently, the reporter noticed that the annualized interest rates of many private banks on large certificates of deposit are still more than 3%, and the annualized interest rates of some 5-year large certificates of deposit products reach 4%. The interest rate on the other side of the loan starts with "3". A number of bankers told reporters that there is indeed a phenomenon that some loan interest rates are lower than deposit rates in the current market, but in practice, there is limited room for arbitrage and may face legal liability. (Shanghai Securities News)