银行存款大变样！9月起，家里有30万以上存款的注意了

Group 1 - The banking deposit market has undergone significant changes, with deposit rates continuously declining to historic lows, exemplified by a drop in the one-year fixed deposit rate from 2.25% to 1.35%, representing a decline of over 40% in a short period [1] - There has been an increase in bank bankruptcies, with examples including Liao Yang Rural Commercial Bank and Taizihua Village Bank announcing their closures [1] - Some banks are experiencing inverted deposit rates, where the three-year fixed deposit rate of 1.55% is higher than the five-year rate, indicating a shift in depositor preferences towards shorter-term deposits [4] Group 2 - It is advised for depositors with over 300,000 in savings to be aware of four key considerations: understanding the deposit insurance system, diversifying deposits across different banks, maintaining liquidity, and avoiding being lured by high-interest deposits [4] - According to the central bank's deposit insurance system, deposits plus interest up to 500,000 are fully compensated in the event of a bank's bankruptcy, while amounts exceeding this limit may face losses after liquidation [6] - Depositors are encouraged to spread their funds across multiple banks to mitigate risks associated with potential bank failures, with a preference for joint-stock banks due to their higher interest rates and better safety compared to rural and commercial banks [8] Group 3 - Maintaining liquidity is crucial, as many depositors prefer locking funds in three or five-year fixed deposits, which can lead to liquidity shortages if funds are needed unexpectedly [10] - A strategy is suggested where depositors with 300,000 can divide their funds into three parts, investing in one-year, two-year, and three-year fixed deposits to ensure annual liquidity [10] - Depositors are cautioned against being attracted by high-interest rates offered by small and medium-sized banks, which often exceed those of state-owned banks by over 1%, as these banks may engage in high-risk investments that jeopardize deposit safety [12]