5月1日起，有三种存款尽量取出来，否则损失将会很严重

Group 1 - The banking industry in China is experiencing two major trends: declining deposit interest rates and an increasing number of bank bankruptcies and dissolutions [1] - The current three-year deposit interest rate for state-owned banks has dropped below 2%, compared to over 3% in the past [1] - In 2024 alone, 195 small and medium-sized banks have announced their dissolution [1] Group 2 - Industry experts advise withdrawing three types of deposits starting May 1 to avoid potential losses: structured deposits, high-interest deposits, and deposits in banks not participating in deposit insurance [4] - Structured deposits involve using a portion of the depositor's funds to invest in high-risk assets like stocks and bonds, which can lead to higher returns but also carry significant risks [6] - If structured deposits fail, while the principal is protected, interest earnings may be reduced or lost, and early withdrawal could result in additional losses [6] Group 3 - Many small and medium-sized banks are offering deposit rates significantly higher than the market average to attract customers, with rates often exceeding 2.85% [8] - These banks invest the deposits into high-yield projects, which come with high risks; failure in these investments could lead to liquidity issues and threaten the safety of depositor funds [8] Group 4 - A significant number of small banks are not participating in deposit insurance, which protects deposits up to 500,000 yuan; currently, over 600 small banks lack this insurance [11] - Depositors are advised to check for deposit insurance indicators before placing funds in banks, as those without insurance pose a risk of significant losses in case of bankruptcy [11]