终于把存款逼出银行了？2025年6月央行最新数据，存款去哪儿了？

Core Viewpoint - The continuous decline in bank deposit rates has led to a significant outflow of resident deposits, with a total decrease of 24,568 billion yuan in the first five months of the year, compared to an increase of 9,873 billion yuan in the same period last year [1][4]. Group 1: Deposit Trends - In May, resident deposits decreased by 11,732 billion yuan, marking the fourth consecutive month of net outflow [1]. - The trend of declining bank deposit rates is pushing residents to withdraw their savings for investment and consumption purposes [4]. Group 2: Investment Channels for Withdrawn Deposits - Many depositors are now purchasing bank wealth management products, with the total scale reaching a historical high of 31.3 trillion yuan, an increase of 2.1 trillion yuan in April alone [6]. - The stock market has seen a surge in new accounts, with 8.73 million new accounts opened in the first five months of 2025, a year-on-year increase of 62.3%, and approximately 8,200 billion yuan of new funds flowing into the A-share market [8]. - Public funds are attracting more investments, with the total scale of public funds reaching 29.7 trillion yuan by the end of May 2025, an increase of 3.6 trillion yuan since the beginning of the year [10]. - The real estate market is benefiting from the outflow of deposits, with total sales of commercial housing reaching 5.3 trillion yuan in the first five months of 2025, a year-on-year increase of 9.7% [12]. - Consumer spending is rebounding, with total retail sales of consumer goods reaching 19.3 trillion yuan in the first five months of 2025, a year-on-year increase of 5.2% [14].