今明两年，手中有存款的家庭，或将面临4个大问题，注意了！

Group 1 - The core viewpoint is that the enthusiasm for saving among domestic depositors is increasing, with a significant rise in the total savings balance reaching 128.4 trillion yuan, a year-on-year growth of 7.2% as of May 2025 [1] - The demographic of savers is shifting, with more young people now prioritizing savings to prepare for unexpected events like unemployment and illness, alongside rising risks in the domestic capital market [1] - There are four major issues that households with savings may face in the coming years: declining deposit interest rates, increasing difficulty in cash withdrawals, deposit rates failing to keep up with inflation, and a reluctance to invest [1] Group 2 - Deposit interest rates are decreasing, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a significant reduction in interest income for depositors [1] - The difficulty in cash withdrawals is increasing, requiring three days' notice and a statement of purpose for large withdrawals, which has led to dissatisfaction among depositors [4] - Deposit rates are not keeping pace with inflation, leading to a decline in the purchasing power of savings, although the current economic environment is experiencing a deflationary trend with a CPI of -0.1% [5] - Many depositors are hesitant to invest due to low bank interest rates and high risks associated with other investment options, with significant losses reported in the stock market and mutual funds [8]