银行存款大调整，5月1日起，存款超过50万的家庭要留意

Group 1 - The banking deposit market is undergoing significant adjustments, leading to a dilemma for depositors between the safety of state-owned banks and the higher interest rates offered by smaller banks [1] - Depositors are now facing increased difficulty in withdrawing large amounts of cash, requiring prior appointment and explanation of the funds' purpose [3][5] - Some banks are experiencing inverted deposit rates, where shorter-term deposits offer higher rates than longer-term ones, prompting depositors to consider shorter-term options [5][7] Group 2 - The frequency of bank bankruptcies and dissolutions is rising, with 195 small banks reported to have dissolved in 2024 alone, indicating risks associated with depositing in smaller banks [9] - Many small banks are offering significantly higher interest rates to attract deposits, which may pose risks if these banks invest in high-yield projects that could lead to liquidity issues [11] - Recommendations for depositors with over 500,000 in savings include diversifying deposits across multiple banks, ensuring deposits do not exceed 500,000 in any single institution, and considering high-yield certificates of deposit [13]