银行存款迎来调整！9月起，家里存款超过50万，记得做好3件事

Core Viewpoint - The increasing trend of Chinese residents' bank deposits is driven by the need for financial security against unexpected events and future expenses, despite the risks associated with other investment options [1] Group 1: Deposit Trends - In the first half of 2025, Chinese residents' bank deposits surged by 10.77 trillion yuan, reaching a historical high [1] - The primary motivations for saving include preparing for unemployment, health issues, children's education, retirement, and housing down payments [1] Group 2: Banking Sector Adjustments - The banking sector is experiencing significant changes, including an increase in the number of small and medium-sized banks declaring bankruptcy, with recent cases including Liao Yang Rural Commercial Bank and Taizihe Village Bank [3] - The deposit insurance system is undergoing adjustments, maintaining full protection for deposits up to 500,000 yuan, while amounts exceeding this limit may face proportional compensation risks [3] Group 3: Interest Rate Decline - Bank deposit interest rates have been on a rapid decline, with three-year deposit rates dropping from 3.05% to 1.55%, a decrease of over 40% [5] - The central bank's strategy to lower deposit rates aims to encourage consumers to invest and spend, thereby stimulating economic recovery [5] Group 4: Recommendations for Depositors - Depositors are advised to recognize deposit insurance symbols to ensure protection for amounts up to 500,000 yuan [7] - Utilizing large-denomination certificates of deposit (CDs) is recommended for those with deposits exceeding 500,000 yuan, as they offer higher interest rates and transferability [9] - Caution is advised against high-interest traps from small and medium-sized banks, which may offer rates significantly above the market average, as these could indicate higher risk investments [11]