商界大佬预言成真？2025年，手握存款的人或面临三大挑战

Core Insights - The prediction of "future housing prices like green onions" has become a reality in 2025, causing significant concern among the Chinese populace as the real estate market faces a downturn and deposit interest rates continue to decline [1][5]. Real Estate Market - The once soaring housing prices are undergoing a profound value reshaping, with cities like Zhengzhou and Shijiazhuang already feeling the market chill, and even first-tier cities like Shanghai experiencing a price drop from over 90,000 yuan per square meter in 2021 to over 60,000 yuan, a decline of 30% [3][5]. - In lower-tier cities, housing prices have plummeted to rock-bottom levels, with properties in places like Hegang and Fuxin available for as low as 3,000 to 4,000 yuan per square meter, indicating a significant shift away from viewing real estate as an investment [5][7]. Banking Sector - The banking industry is facing challenges with rising deposit volumes and declining loan demand, leading to reduced deposit interest rates as banks attempt to stimulate investment and consumption [7][9]. - For ordinary depositors, the reduction in interest rates poses a wealth preservation challenge, with rates for three-year deposits dropping from 3.25% to 2.15%, a decrease of one-third, and further declines anticipated [7][9]. Challenges for Depositors - Challenge 1: Declining Deposit Rates The trend of falling deposit rates is expected to continue, making it difficult for depositors without investment knowledge to navigate high-risk investment options, while the meager interest income fails to keep pace with inflation [9][10]. - Challenge 2: Increased Investment Risks Many depositors are turning to high-yield investments like stocks and funds, but the investment environment in 2025 is grim, with the A-share market losing approximately 26.94 trillion yuan in total market value and average losses of around 140,000 yuan per investor [10][11]. - Challenge 3: Entrepreneurship Risks In light of the declining deposit rates and tough job market, many view entrepreneurship as a last resort for financial freedom, yet the path is fraught with challenges, including lack of experience and intense market competition, leading to high failure rates [11][12].