银行员工直言：10月起，最好不要把钱存定期，这3个原因很扎心

Group 1 - The core viewpoint is that Chinese residents are increasingly enthusiastic about saving money, with bank deposits surging by 10.77 trillion yuan in the first half of 2025, reaching a historic high [1] - The reasons for this saving trend include the need to prepare for unexpected events such as unemployment and illness, as well as future large expenditures like children's education and home renovations [1] - The current investment environment in stocks, funds, and bank wealth management products is perceived as risky, leading residents to prefer saving in banks [1] Group 2 - Bank employees have advised against long-term fixed deposits starting from October due to three main reasons: declining interest rates, liquidity restrictions, and the diversification of financial products [3] - Interest rates for bank deposits have reached historic lows, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a significant decrease in annual interest income for depositors [6] - The liquidity of fixed deposits is limited, and early withdrawals result in lower interest rates, causing depositors to incur substantial interest losses [8] Group 3 - The variety of financial products available today, such as bank wealth management, structured deposits, and money market funds, often offer higher returns than fixed deposits, making the latter less attractive [10] - For those who still prefer fixed deposits, strategies to maximize interest income include opting for large-denomination certificates of deposit, which typically offer higher rates and can be transferred if needed [12] - Different banks offer varying interest rates for fixed deposits, with smaller banks generally providing higher rates compared to state-owned banks, suggesting that depositors should consider placing funds in joint-stock banks for better returns [12] Group 4 - Banks often raise deposit rates at the end of the year or around the Spring Festival to attract more deposits, making these times potentially advantageous for depositors looking to maximize interest income [15]