存款也开始“内卷”了？这4大银行新规出台，不懂可能会吃亏！

Core Viewpoint - The increasing trend of Chinese residents saving money in banks is driven by economic uncertainties and the perceived risks associated with higher-yield investment products, leading to a significant rise in bank deposits. Group 1: Deposit Trends - In the first quarter of 2025, new bank deposits from residents reached 9.22 trillion yuan, reflecting a strong preference for saving due to concerns over unemployment and health issues [1] - The decline in deposit interest rates has been notable, with the three-year deposit rate dropping from 3.05% to 1.8%, a decrease of over 40% [5] Group 2: New Banking Regulations - Four new banking regulations have been introduced that could impact depositors: 1. Continuous decline in deposit interest rates [3] 2. Occurrence of inverted deposit rates, where shorter-term rates exceed longer-term rates [6][10] 3. Decrease in the availability of large-denomination certificates of deposit [12] 4. Upgrade of the deposit insurance system, now providing full compensation for amounts below 500,000 yuan, with a proportional payout for amounts above [14] Group 3: Implications for Depositors - Depositors are advised to diversify their savings across multiple banks to mitigate risks associated with the new insurance limits, ensuring that deposits plus interest do not exceed 500,000 yuan per bank [14] - It is recommended to opt for shorter-term deposits (1-2 years) to maintain liquidity while still benefiting from relatively higher interest rates [14] - Preference for joint-stock banks is suggested, as they typically offer higher deposit rates compared to state-owned banks while maintaining better safety than rural banks [14]