中国人民银行：将个人投资人认，购大额存单起点金额降至不低于20万元人民币
36氪获悉，中国人民银行就《大额存单管理办法》公开征求意见。一是根据中国人民银行公告〔2016〕第13号，将个人投资人认购大额存单起点金额降至不低于20万元人民币。二是根据大额存单的提前支取、赎回和转让实际需要，明确第三方平台和银行自有渠道均可开展大额存单的转让、提前支取和赎回。三是明确重大事件发生后，发行人应及时在本机构官方网站和信息披露平台进行信息披露。
The People's Bank of China is seeking public feedback on revised management measures for large-denomination certificates of deposit (CDs). A key proposed change is lowering the minimum investment threshold for individual investors to purchase large-denomination CDs to 200,000 RMB. The revisions also aim to clarify that third-party platforms and bank channels can both facilitate the transfer, early withdrawal, and redemption of these CDs, aligning with practical needs. Additionally, the measures stipulate that issuers must promptly disclose significant events on their official websites and information platforms.
This policy adjustment aims to make large-denomination CDs more accessible to individual investors and streamline their trading processes, potentially impacting savings and investment behaviors.
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