7月起，存款超50万的家庭注意：这3个动作强烈建议做！

Core Points - The domestic deposit market is experiencing significant changes starting in 2024, with a notable decline in deposit interest rates [1] - The average interest for a 100,000 yuan deposit has dropped from 3,150 yuan to 1,800 yuan annually, impacting primarily middle-aged and elderly individuals who rely on savings [1] Summary by Categories Changes in Deposit Market - Deposit interest rates have decreased, with the 3-year deposit rate falling from 3.15% to 1.8%, resulting in a loss of 1,350 yuan in annual interest for a 100,000 yuan deposit [1] - There is an increasing difficulty for depositors to withdraw large amounts of cash, requiring a one-day advance notice for withdrawals over 50,000 yuan and a statement of purpose [3] - A phenomenon of "inverted" deposit rates is observed, where the 3-year deposit rate (1.8%) is higher than the 5-year rate (1.75%), driven by depositor preferences and banks' strategies to attract more deposits [3] Risks Associated with High-Interest Deposits - State-owned banks offer a 3-year deposit rate of 1.55%, while small and medium-sized banks offer rates as high as 2.4%, indicating potential risks associated with high-interest deposits [5] - Small and medium-sized banks are increasingly facing bankruptcy, with 195 banks dissolving in 2024, attributed to poor management and regulatory violations [5] Recommendations for Depositors - Households with deposits exceeding 500,000 yuan are advised to check for "deposit insurance labels" to ensure their funds are protected [10] - It is recommended to diversify deposits across multiple banks, keeping each deposit below 500,000 yuan to mitigate risks associated with bank failures [12] - Depositors are encouraged to consider large-denomination certificates of deposit (CDs) for better interest rates and transferability compared to regular term deposits [14]