Core Insights - Despite the increasing variety of investment channels, Chinese residents' savings willingness has surged, with new resident deposits reaching 10.33 trillion yuan in the first half of the year, surpassing the total new deposits of previous years [1] Group 1: Investment Preferences - The safety of fixed-term deposits is a core advantage, providing stable interest income even in a declining interest rate environment, making it a prudent choice for risk-averse investors [3] - Many individuals still prefer traditional fixed-term deposits despite the low interest rates, as they offer advantages that other investment products cannot match [4] Group 2: Economic Context - The importance of savings has been highlighted in the modern social environment, with increased risk awareness due to the pandemic and job market fluctuations, leading people to save for emergencies and future large expenditures [5] Group 3: Accessibility and Habits - Fixed-term deposits have a relatively low investment threshold, making them more accessible compared to other financial products, allowing individuals to accumulate wealth gradually [7] - Storing funds in fixed-term deposits can help young people develop good saving habits, as it encourages mindful spending and reduces the risk of overspending associated with mobile payment platforms [7]
都什么年代，居然还有人存定期存款？银行员工直言不讳
Sou Hu Cai Jing·2025-11-12 10:13