下半年开始，持有定期存款的人，建议做两手准备，很多人还未察觉

Core Insights - The surge in Chinese residents' bank deposits reached a historic high of 10.77 trillion yuan in the first half of 2025, driven by the need to prepare for future expenses such as education, home renovations, medical costs, and retirement [1] - The current trend in the deposit market indicates a decline in deposit interest rates and an increasing risk of bank failures, prompting depositors to take precautionary measures [3][11] Deposit Market Trends - Starting in 2024, domestic banks have accelerated the pace of interest rate cuts, with the one-year fixed deposit rate dropping from 2.25% to 1.35%, resulting in a decrease of 900 yuan in annual interest income for a 100,000 yuan deposit [5] - The reasons for declining deposit interest rates include banks' efforts to encourage withdrawals for investment and consumption, the simultaneous reduction of loan market rates to stimulate demand, and the expansion of banks' interest margins to enhance their resilience against systemic risks [5] Recommendations for Depositors - To cope with decreasing interest income, depositors are advised to adopt a "staggered deposit method," splitting their funds into three parts to be deposited for one, two, and three years, ensuring liquidity while maximizing interest rates [8] - Depositors should consider purchasing large-denomination certificates of deposit (CDs), which typically offer higher rates than regular fixed deposits and allow for transfer in case of early withdrawal, minimizing interest loss [8] Bank Failure Risks - The perception of banks as safe institutions is challenged by the increasing number of bank failures, with recent examples including the collapse of several rural commercial banks in Liaoning [11] - To mitigate risks associated with potential bank failures, depositors are advised to spread their deposits across multiple banks, ensuring that the total amount in each bank does not exceed 500,000 yuan, which is the insured limit [11][13] - Depositors are also encouraged to consider placing their funds in joint-stock banks, which generally present lower risks compared to rural and commercial banks while offering higher interest rates than state-owned banks [13]