银行存款大调整！6月1日起，存款超50万的家庭需留意！

Group 1 - The banking industry is experiencing two major trends: declining deposit interest rates, with state-owned banks' rates falling below 2%, and an increase in the number of small and medium-sized banks declaring bankruptcy or dissolution, with 195 such banks announcing closure in 2024, the highest in nearly a decade [1] - The difficulty for depositors to withdraw cash has increased, requiring at least three working days' notice for withdrawals over 100,000 yuan, compared to one day previously, with banks now also requiring information on the purpose of the funds [4][6] - There is a phenomenon of inverted deposit interest rates, where three-year fixed deposit rates are higher than five-year rates, prompting banks to raise three-year rates to attract more depositors [6][9] Group 2 - The trend of bank closures and dissolutions is rising, increasing the risk for depositors in small and medium-sized banks, leading to recommendations for diversifying deposits across multiple banks and keeping individual bank deposits below 500,000 yuan for safety [9][11] - Many small and medium-sized banks are offering significantly higher deposit rates than state-owned banks, which raises concerns about the safety of deposits if these banks invest in high-risk projects [11][13] - For conservative investors, it is suggested to consider large time deposits in joint-stock banks for better security and higher interest rates compared to state-owned banks, while aggressive investors are encouraged to diversify their asset allocation to minimize risk and maximize returns [13]