银行存款不香了？不去存银行钱去哪了？

Group 1 - The attractiveness of bank deposits has significantly declined, with many investors shifting their focus to capital markets due to decreasing deposit interest rates [3][5] - As of July, the People's Bank of China reported a net increase of 5 trillion yuan in RMB deposits, with non-bank financial institutions seeing a rise of 2.14 trillion yuan, while household deposits showed a negative growth [3][5] - The average interest rates for fixed-term deposits have dropped, with one-year deposits now below 2%, leading to a decrease in real income for depositors [5][6] Group 2 - The stock market has seen a remarkable rise, with A-shares surpassing 100 trillion yuan in market capitalization, indicating a growing consensus of a bull market [4] - The low interest rate environment is pushing users to seek alternative assets, as traditional bank deposits no longer provide adequate returns [5][8] - Financial technology advancements have transformed investment practices, allowing easier access to a variety of financial products, thus attracting investors away from traditional bank deposits [8][9] Group 3 - The robust performance of the stock market, particularly in technology and consumer sectors, has drawn significant investor interest, with many seeking higher returns compared to bank deposits [8][9] - The implementation of a registration system and improved delisting mechanisms in the stock market has enhanced the investment landscape, providing more opportunities for investors [9][12] - The trend of financial disintermediation reflects a shift towards direct financing and diversified investment channels, which is becoming the norm for household participation in the economy [12]