6月份要注意了，有两种存款应抓紧取出来！

Core Viewpoint - Since March 2025, some banks have raised deposit interest rates, rekindling the enthusiasm for savings among the public, as many individuals prefer bank deposits over higher-risk investment channels like stocks and funds to ensure capital safety and stable interest income [1] Group 1: Risks of Small Bank Deposits - Many small banks, such as village banks and private banks, offer deposit products with interest rates significantly higher than the market average to attract deposits, which can lead to risks due to their investment strategies [3] - For instance, while state-owned banks may offer a three-year deposit rate of only 1.90%, some small banks may offer rates as high as 2.7%, which can mask underlying risks [3] - These small banks often invest deposit funds in high-yield, high-risk projects, increasing the risk of a funding chain break if investments fail, potentially jeopardizing depositors' access to their funds and the safety of their principal [3] Group 2: Risks of Structured Deposits - Structured deposits typically offer higher interest rates than regular deposits, with rates for structured deposits potentially reaching 2.25% to 2.5%, compared to around 1.65% for one-year deposits at joint-stock banks [6] - The operation of structured deposits involves investing a portion of depositors' funds in money market funds, foreign exchange, or bonds to seek higher returns, but this investment is not guaranteed [6] - While the principal is usually safe, the interest may decrease or even become zero if the investments fail, presenting a risk that is significantly higher than that of ordinary deposits [6] Group 3: Misleading Sales Practices - Some depositors have reported being misled by bank staff when purchasing structured deposits, inadvertently buying bank wealth management products, mutual funds, or insurance products, leading to substantial investment losses [8] - It is crucial for depositors to carefully read product descriptions, understand investment targets, risk levels, and expected returns when purchasing structured deposits to avoid being misled into high-risk products [8] - Caution is emphasized as a key to safeguarding funds, urging individuals to remain rational and carefully assess risks when faced with the temptation of high returns [8]