[Medium- and long-term large-denomination certificates of deposit return intensively, with bank interest rates reaching 1.85%] News on October 27. Since October, many financial institutions, from joint-stock banks to city commercial banks, rural commercial banks and even private banks, have successively officially announced the issuance of 3-year and 5-year large-denomination certificates of deposit, and some institutions have even launched products of the same term multiple times in the short term. Hengfeng Bank and its branches announced on October 20 the launch of seven personal certificates of deposit, with the annualized interest rate of the five-year product set at 1.75%. China CITIC Bank has launched a number of large certificates of deposits with 3-year maturities since October 1, with an annualized interest rate of 1.70%; given that the bank had restarted the issuance of products of the same term on September 1, this launch is regarded as a replenishment after one month. On October 16, the Bank of Tibet issued a three-year personal certificate of deposit with an annualized interest rate of 1.85%. (21st Century Business Herald)