Group 1 - The core viewpoint of the articles indicates a significant decline in bank deposit interest rates, with the average three-month rate dropping to 0.949%, marking a historical low and entering a new era of low rates [1][2][6] - The decline in interest rates began on May 20, when major state-owned banks adjusted their rates, leading to a widespread reduction across various banks, including smaller institutions [2][8] - The interest rates for different terms have also decreased, with six-month rates at 1.156%, one-year rates at 1.287%, and three-year rates at 1.695%, reflecting a notable drop compared to previous months [2][8] Group 2 - The attractiveness of bank deposits has significantly weakened, prompting some depositors to shift their assets to higher-yielding investment products such as money market funds and bond funds [6][8] - A notable trend is the "deposit migration," where residents have withdrawn a total of 2.46 trillion yuan in the first half of 2025, the largest decline for the same period historically [2][6] - The interest rate for large certificates of deposit has also decreased, with rates now ranging from 0.9% to 1.55%, leading to reduced earnings for depositors [5][6] Group 3 - The articles suggest that the era of relying on fixed deposits for passive income is over, and depositors need to reassess their asset allocation strategies to seek higher returns [8][10] - Financial advisors are increasingly recommending R2-level investment products with annual yields around 2%-2.5%, which are significantly higher than traditional deposit rates [6][8] - The total amount of fixed deposits maturing in 2025 is estimated to be around 89 trillion yuan, indicating a substantial volume of capital that could be reallocated [7]
告别“躺赚”时代!3个月定存利率击穿1%关口,储户资产配置面临重构
Xin Lang Cai Jing·2025-07-25 00:11