9月起，手里有定期存款的人，要做好4个准备！银行内部人：快自查

Core Viewpoint - The recent trend of decreasing deposit interest rates among domestic small and medium-sized banks is a response to the actions of major state-owned banks, aimed at improving profitability and enhancing the ability to withstand systemic risks [1][5]. Group 1: Deposit Rate Changes - In August 2023, several domestic small and medium-sized banks announced reductions in deposit interest rates, following similar moves by the six major state-owned banks [1]. - From 2024, deposit rates are expected to enter a downward trend, with the three-year fixed deposit rate dropping from 3.05% to 1.55%, representing a nearly 50% decrease over two years [5]. - The average annual interest income from a 100,000 yuan deposit over three years has decreased from 3,050 yuan to 1,550 yuan, a reduction of 1,500 yuan [5]. Group 2: Recommendations for Depositors - Depositors are advised to consider several strategies in response to declining interest rates, such as opting for three-year large-denomination certificates of deposit to lock in rates [6]. - It is suggested that depositors diversify their holdings by placing funds in joint-stock banks or city commercial banks, which typically offer higher rates than state-owned banks [6]. - Other investment options include structured deposits, R1-rated bank wealth management products, government bonds, and bond funds, which are considered low-risk alternatives [6]. Group 3: Emergency Fund Preparation - Depositors should maintain an emergency fund due to the low liquidity of fixed deposits, with 67.3% of fixed deposit customers having withdrawn funds early for emergencies [9]. - The current interest rate for demand deposits is only 0.05%, leading to significant potential losses if fixed deposits are withdrawn prematurely [9]. - Strategies such as the "ladder deposit method" and purchasing large-denomination certificates of deposit with transferability features are recommended to ensure liquidity [9]. Group 4: Risks of Small and Medium-Sized Banks - The risk of deposit loss is increasing as more small and medium-sized banks face bankruptcy, with 105 banks approved for dissolution in 2024 [11]. - Depositors are advised to spread their funds across multiple banks, keeping deposits below 500,000 yuan per bank to ensure full insurance coverage [11]. - It is recommended to prioritize deposits in state-owned or joint-stock banks to minimize the risk of bank failure [11]. Group 5: Market Opportunities - There are significant bubbles in both the stock and real estate markets, with high price-to-income ratios indicating potential for future corrections [14]. - Depositors are encouraged to prepare for investment opportunities in the stock and real estate markets when prices reach historical lows [14].