活期1万一年仅 20 块利息！普通人“抛弃”银行，新选择藏着啥门道

Core Insights - A significant outflow of deposits from banks occurred in July, with 1.11 trillion yuan leaving the banking system, despite an overall increase of nearly 10 trillion yuan in deposits over the first seven months of the year [1][3]. Group 1: Deposit Trends - The one-year deposit interest rate has fallen below 1%, leading to minimal returns on savings, prompting individuals to seek better investment opportunities [3][5]. - In July, household deposits decreased by 1.11 trillion yuan, while non-bank financial institutions saw an increase of 4.69 trillion yuan in deposits over the same period [7][9]. Group 2: Investment Shifts - Individuals are increasingly moving their funds into more lucrative investment options such as mutual funds, stocks, and bank wealth management products, rather than letting their money sit idle in banks [5][12]. - The number of new A-share accounts opened in July reached 1.96 million, a 70.54% increase year-on-year, indicating a growing interest in stock market investments [12]. Group 3: Financial Indicators - As of the end of July, M1 (money that can be readily spent) stood at 111.06 trillion yuan, reflecting a 5.6% year-on-year increase, while M2 (total money supply) reached 329.94 trillion yuan, up 8.8% year-on-year [9][10]. - The narrowing gap between M1 and M2 suggests an increase in liquidity and a more active economic environment, as both businesses and individuals are more willing to invest their funds [10][11]. Group 4: Financial Products Popularity - Bank wealth management products are projected to grow to 30.67 trillion yuan by June 2025, with a focus on low-risk fixed-income products [14]. - The popularity of money market funds has surged, with a total scale of 12.3 trillion yuan, as many individuals are placing their short-term idle funds into these products [15][16]. Group 5: Conclusion - The shift in household deposits is not indicative of a lack of desire to save, but rather a response to declining interest rates, leading individuals to seek more valuable ways to manage their money [18].