"High-interest large-sum time deposits are hard to come by" - hidden mysteries in targeted transfers.

As the interest rates of large-denomination deposits fall below the "1% mark," the information on seeking high-yield deposits on social platforms is increasing. A mode of directed transfer of deposits, where both buyers and sellers privately negotiate and operate through the bank's app, is emerging. A journalist investigation found that many banks' apps do not support this operation. The so-called directed transfer is actually initiated by depositors themselves, and there is no guarantee of the success of the transaction. Some selling parties require the buying party to pay a fee in advance, but cannot promise the transfer result, posing a risk of financial loss for the buying party. Some banks suggest that the handling of directed deposit transfer business usually requires both parties to go to the bank counter at the same time.