终于把存款逼出银行？从2025年银行最新数据分析存款去哪了速看

Core Insights - A significant shift in asset allocation among Chinese households is occurring, with funds moving from traditional bank deposits to more diversified investment channels, reflecting a change in financial market dynamics and household wealth management [1][12] Group 1: Financial Data and Trends - As of June 2025, the total balance of household deposits in China reached 118.7 trillion yuan, with a year-on-year growth of only 3.2%, marking the lowest growth rate in nearly a decade [3] - The average interest rate for one-year fixed deposits dropped to 1.85% in the first half of 2025, down from 2.5% in 2023, leading to negative real returns when adjusted for a 2.1% CPI inflation rate [3][12] - The A-share market saw a surge in new individual investor accounts, totaling 13.87 million in the first half of 2025, a 32% increase year-on-year, with net inflows of approximately 980 billion yuan, predominantly from individual investors [4] Group 2: Investment Channels - The bank wealth management market reached a scale of 31.2 trillion yuan in the first half of 2025, with net value products accounting for over 95% and an average annualized return of about 4.2% [5] - Public funds also demonstrated strong growth, with total assets reaching 32.7 trillion yuan by June 2025, a 16.8% increase from the beginning of the year, and net subscriptions exceeding 700 billion yuan [6] - The real estate market showed signs of recovery, with a 7.3% increase in sales area and a 9.5% increase in sales revenue in the first half of 2025, particularly in first-tier cities [7] Group 3: Consumer Behavior and Economic Signals - The retail sales of consumer goods reached 22.8 trillion yuan in the first half of 2025, reflecting a 7.6% year-on-year growth, with significant increases in upgraded consumption categories [9] - Over 65% of urban residents have developed a diversified asset allocation awareness, moving away from solely relying on savings [11] - The shift in fund flows from banks to the real economy is seen as a positive signal for market vitality and economic circulation [12] Group 4: Industry Response - The banking sector is transitioning from merely accepting deposits to providing comprehensive wealth management services, with many banks launching specialized wealth management apps [13] - Internet financial platforms are innovating to offer more convenient investment channels, creating a competitive environment that ultimately benefits consumers [13]