2025 年银行存钱太反常！4 大怪事让储户懵，这样应对不吃亏

Group 1 - The core issue in the banking sector in 2025 is the unexpected changes in the deposit market, leading to four peculiar phenomena for depositors [2] - The issuance of large-denomination certificates of deposit (CDs) has significantly decreased, with the interest rate for a 3-year CD dropping from 1.80% at the beginning of the year to 1.55% [3] - There is an unusual inversion in deposit rates, where some banks offer a 3-year fixed deposit rate of 1.55% while the 5-year rate is only 1.50% [6] Group 2 - There is a widening gap in deposit rates between large state-owned banks and smaller banks, with state-owned banks offering a 3-year deposit rate of 1.35% compared to 1.65%-1.75% from smaller banks [7] - Bank staff are increasingly promoting wealth management products, which offer higher annual returns of 2%-2.2% compared to traditional fixed deposit rates [10] Group 3 - The narrowing net interest margin for banks, which was 1.43% at the end of Q1 2025, has led to reduced issuance of large-denomination CDs and the inversion of deposit rates [12] - Banks are pushing wealth management products as a strategy to compensate for declining net interest income, as they seek to maintain profitability [12]