183****78582025-02-26 19:13:08
183****7858银行大额可转让存单作用是什么？金融市场↑如何操作实现盈利的
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开开2025-02-28 09:44:12
开开同学你好，银行大额可转让存单（Certificates of Deposit, CDs）是银行发行的一种定期存款凭证，具有以下作用：
融资工具：银行为吸引大额资金，发行CDs以补充流动性或满足资本需求。
投资工具：投资者通过购买CDs获得比普通存款更高的利息收益。
流动性管理：CDs可在二级市场转让，为投资者提供流动性，同时银行获得稳定的资金来源。
利率风险管理：银行通过发行不同期限的CDs，管理资产负债的期限结构，降低利率波动风险。
投资者：购买一张6个月期、年化利率3%的CDs，持有到期可获得3%的固定收益。若中途需要资金，可在二级市场出售。
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180****86962025-02-28 20:48:02
Large-denomination negotiable certificates of deposit (CDs) are a type of time deposit issued by banks that can be traded in the secondary market. These instruments typically have a higher interest rate compared to regular savings accounts due to their larger denominations and fixed terms. The primary function of these CDs is to provide banks with a cost-effective way of raising funds from investors while offering a relatively low-risk investment option for individuals or institutions looking to park their money for a set period. In the financial market, investors can buy and sell these CDs to make a profit through interest rate movements or market liquidity. For example, if interest rates decrease after purchasing a large-denomination CD, its value in the secondary market may rise, allowing the investor to sell it at a profit.
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