存款利率迈入“1时代”，投资警惕高收益诱饵

Core Insights - The People's Bank of China implemented a reserve requirement ratio cut of 0.5 percentage points and a policy interest rate reduction of 0.1 percentage points, leading to a wave of interest rate cuts among small and medium-sized banks [2] - Many small and medium-sized banks have lowered their deposit rates, with some long-term deposit rates dropping below 2%, entering the "1 era" [2] - The decline in deposit rates is attributed to multiple factors, including the reduction of the Loan Prime Rate (LPR) and adjustments in mortgage rates, which have led to a narrowing of banks' net interest margins [3] Banking Sector - The recent interest rate cuts are part of a broader financial policy aimed at stabilizing the market and boosting consumption, but they have also negatively impacted residents' investment returns [3] - The trend of declining deposit rates has been ongoing since last October when state-owned banks began lowering their rates, followed by many national joint-stock banks [2] Investment Strategies - In a low-interest-rate environment, investors are advised to be cautious of high-yield investment schemes that may be fraudulent, as high returns often come with high risks [4] - Recommended investment options include slightly higher-yielding bank wealth management products, government bonds, large-denomination certificates of deposit, and traditional bank deposits, which are considered lower-risk [5] - Investors should be particularly wary of investments promising returns exceeding 6%, as these may carry significant risks [4]