存款利率迈入“1时代”，如何配置个人资产？丨快问快答

Group 1 - The core viewpoint of the articles is that following the central bank's recent interest rate cuts, many small and medium-sized banks have responded by lowering deposit rates, with some long-term fixed deposit products dropping below 2%, leading to a trend where most small and medium-sized banks' fixed deposit rates have entered the "1 era" [1][2] Group 2 - The reasons for the recent interest rate cuts by small and medium-sized banks include continuous pressure on net interest margins and an increasing trend of deposit termification, which raises funding costs [1] - The decline in loan rates, driven by financial support for the real economy, contrasts with the relatively rigid funding costs for banks, leading to compressed interest margins and increased operational pressure [1] - The trend of deposit termification, while stabilizing funding sources, also increases the proportion of high-cost deposits, making it challenging to reduce funding costs [1] Group 3 - Future market interest rates are expected to continue on a downward trend, suggesting that deposit rates may further decline [2] - Historical patterns indicate that large banks typically lead the way in interest rate cuts, with small banks following, and adjustments to deposit rates may occur every 3 to 9 months [2] - Various methods are being employed to control deposit rates, including limiting high-interest deposit products, in addition to direct adjustments to posted deposit rates [2] Group 4 - Ordinary depositors are advised to adjust their personal asset allocation strategies, recognizing the inevitability of low-return assets and avoiding blind pursuit of high yields [3] - It is recommended to adjust the term structure of deposits, taking advantage of higher deposit rates during specific windows and diversifying deposits across different banks [3] - Building a suitable investment portfolio is suggested, incorporating a certain proportion of insurance products as foundational assets and diversifying investments into various financial products with different liquidity, yield, and safety characteristics [3]