Bank deposit rates are lowered and scalpers are eyeing large certificates of deposit

Beiqing Finance

2024-07-26 17:03Published on the official account of the Finance Department of Beijing Youth Daily in Beijing

"The interest rate is 4.0%-5.2%, buy on behalf of you, and pay successfully when you place an order." After a number of banks announced the reduction of deposit interest rates, there were many posts on the Xianyu platform about grabbing and buying large-amount certificates of deposit.

On July 25, a number of banks announced that they would cut their deposit interest rates, and the five-year deposit interest rates of the five major banks of industry, agriculture, China, construction and communications were reduced by 20 basis points to only 1.80%, and the deposit interest rate entered the prefix of "1" in an all-round way. Many depositors said on social platforms that they "don't know where to put their money". At this time, the business of grabbing large-value certificates of deposit on behalf of auctions and agents quietly rose, and some scalpers set their sights on the popular bank large-amount certificates of deposit.

The Xianyu platform provides large-amount certificates of deposit services

Large-value certificates of deposit are large-amount certificates of deposit issued by depository institutions in the banking industry, which are different from general certificates of deposit in that they can be transferred before maturity, with a term of not less than 7 days, a high investment threshold, and an integer amount. As a general deposit, a large certificate of deposit is protected by deposit insurance and generally has a higher interest rate than a time deposit of the same maturity.

Since the beginning of this year, the net interest margin of the banking industry has continued to be under pressure, and many banks have often been in a state of "out of stock" in the medium and long-term large-amount certificates of deposit, and the five-year large-amount certificates of deposit have basically stopped selling, and the three-year large-amount certificates of deposit have been tight. At this time, there are some so-called "service providers" who provide "grabbing and purchasing large-amount certificates of deposit" business on the shopping platform, and the fee for a single order ranges from 20 to 200 yuan.

The inquiry found that the scalpers set their sights on the large-amount certificate of deposit products of Internet banks with higher interest rates such as WeBank and Zhongbang Bank, saying that they could help users grab the large-amount certificates of deposit in the above-mentioned bank transfer area, with an interest rate of between 3.65% and 5.2%, and a service fee of 1 yuan to 10 yuan per 10,000 yuan, that is, 20-200 yuan to the "service party" for purchasing 200,000 yuan of large-amount certificates of deposit. The author contacted 3 "service providers" at different prices, and 2 of them gave a more detailed explanation of the service method before payment, one of which only said that it was necessary to provide an account and password, and the service party would log in on behalf of the service party to help snap up the purchase, and there would be no charge if the grab was unsuccessful, and the details were not disclosed.

Bank accounts and passwords involve the security of personal accounts, and there is a huge risk of being easily disclosed to others, so you should be sensible and cautious when facing such requests to prevent the money in your account from being siphoned off by others.

Among the two service providers who gave specific ticket grabbing plans, one of them charged a 0.02% service fee, that is, 2 yuan was drawn from every 10,000 yuan of deposit receipts purchased. When the author asked about the specific service, the other party said, "Your purpose is to grab the order, my purpose is to provide the service and grab the charge", and did not disclose too many details of the operation. When the author asked what the difference was between taking a proxy auction and grabbing it yourself, the other party said, "You can't grab it yourself." No further information was disclosed.

The service provider said that you need to provide the account password to log in on your behalf

The service provider said "you can't grab it yourself"

Another service provider provides the service of "auctioning, grabbing, and reminding" for large-value certificates of deposit, and the fee is 19.9 yuan. After the author purchased the service, the service provider asked to add its WeChat, and then sent a video of the operation of a large-amount certificate of deposit of an Internet bank, and found that the other party did not provide the service of buying on behalf of the customer, but only provided the so-called operation method of "improving the success rate of the purchase", including a greater probability of being released at about 8:06, setting the bank card balance to an integer in advance, and not recording the screen when paying, etc. When the author asked why this method can improve the success rate of rush purchases, the other party said that it is enough to follow the operation to ensure success.

At about 9 a.m. the next day, the author received a call from the service provider, saying that a large-value certificate of deposit with a five-year interest rate of 3.65% had been released, reminding him to purchase it, and sent a picture of the transfer of the certificate of deposit. Then the other party sent a message asking if the purchase was successful, and said that "it is not today", and if it is not successful, it can only wait until tomorrow.

In addition, the author understands that some service providers will contact both the buyer and the seller, and when they learn that someone wants to sell a large amount of CDs, they will contact the buyer to prepare for the purchase.

The service provider reminds you to purchase a large amount of certificates of deposit

After communicating with a number of proxy auction service providers, the author contacted WeBank's official customer service. According to the other party, the annual interest rate of WeBank's newly issued 1-year large-denomination certificates of deposit is 2.10%, the annual interest rate of 2-year large-denomination certificates of deposit is 2.30%, and the annual interest rate of 3-year large-denomination certificates of deposit is 2.45%. For proxy auctions and grabbing, customer service recommends not trusting others, and paying more attention to the APP transfer area or purchasing other products to prevent personal information leakage and property loss.

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