寻找存款替代品：储户追捧投资“三件套”

Group 1 - The core viewpoint of the articles highlights a shift in consumer behavior towards alternative investment products due to declining deposit interest rates in China, with many savers exploring options like bank wealth management products, money market funds, and bond funds [1][2][3] - The current interest rate for 3-year fixed deposits has dropped to 1.25%, prompting customers to seek higher-yielding alternatives, with some bank wealth management products offering annualized returns exceeding 4% [1][2] - Short-term fixed-income bank wealth management products, money market funds, and bond funds are gaining popularity among depositors, as they are perceived to have lower risk and higher returns compared to traditional fixed deposits [2][3] Group 2 - Analysts suggest that the reduction in deposit rates enhances the comparative advantage of bank wealth management and other asset management products, leading to a potential shift of deposit funds towards these products [2][4] - The trend indicates that smaller banks are likely to follow suit in reducing deposit rates, which could further optimize the structure of new deposit terms and help manage banks' funding costs [3][4] - The ongoing adjustments in deposit rates are expected to improve the net interest margin for listed banks, with a projected increase of 3.1 basis points by 2025 [3]