银行接连降息！投资者急寻存款“替代”，这类理财产品成“香饽饽”

Core Viewpoint - A new round of deposit rate cuts has led to near-zero interest rates for demand deposits and a shift towards "1" era for fixed deposits, prompting many depositors to reconsider their investment strategies and explore short-term wealth management products as alternatives to traditional deposits [1][3][4] Group 1: Deposit Rate Cuts - Major state-owned banks and several commercial banks have announced reductions in RMB deposit rates, with 18 national commercial banks completing their rate adjustments [3] - After the cuts, demand deposit rates are approaching zero, and the one-year fixed deposit rates at state-owned banks have fallen below 1% [3][4] Group 2: Shift in Depositor Behavior - Depositors are increasingly anxious about shrinking interest income, leading them to reassess their idle funds [3][4] - Individuals like Ms. Ma and Ms. Wu have expressed concerns over reduced interest earnings from fixed deposits, prompting them to consider alternative investment options [3][4] Group 3: Rise of Wealth Management Products - The demand for wealth management products has surged, with more clients consulting banks about these options following the deposit rate cuts [5][6] - Wealth management managers report a notable increase in inquiries about short-term, low-risk products, which offer better returns compared to traditional deposits [5][6] Group 4: Market Growth and Investment Strategies - The wealth management market has experienced explosive growth, surpassing 31 trillion yuan by mid-May [8] - Financial institutions suggest that investors should focus on short-term fixed-income products and cash management solutions to optimize returns in the current low-interest environment [8][9]