High-interest large-denomination fixed deposits are "difficult to find", and targeted transfers hide mysteries.

As the interest rates of large-denomination certificates of deposit fall below "1", the information about seeking high-yield deposits on social platforms is increasing. A directional transfer model of certificates of deposit, where the buying and selling parties negotiate privately and complete the transaction through the bank's app, has emerged. A reporter's investigation found that many banks' apps do not support this operation. The so-called directional transfer is actually initiated by depositors themselves, and there is no guarantee of the success of the transaction. Some sellers require buyers to pay a fee in advance, but cannot guarantee the transfer result, exposing buyers to the risk of financial loss. Some banks remind that to handle the business of directional transfer of certificates of deposit, it usually requires both parties to visit the bank counter at the same time.