银行存款调整！11月后，家里有50万存款的人，请做两手准备

Core Viewpoint - The increasing enthusiasm of domestic residents for saving money is driven by concerns over unexpected events such as unemployment and illness, as well as future expenditures like children's education and home purchases [1] Group 1: Deposit Growth - In the first ten months of this year, China's RMB deposits increased by 23.32 trillion yuan, with household deposits rising by 15.71 trillion yuan, accounting for 67.3% of the total increase [1] Group 2: Declining Interest Rates - The interest rates on bank deposits are decreasing, with the one-year fixed deposit rate dropping from 2.25% to 1.35%, representing a decline of over 40% [5] - For a deposit of 500,000 yuan, the annual interest income has decreased from 11,250 yuan to 6,750 yuan, a reduction of 4,500 yuan [5] - The decline in interest income is attributed to three main factors: the central bank's intention to encourage spending and investment through lower interest rates, the reduction in loan rates to lower financing costs for businesses and homebuyers, and the widening of the interest rate spread to enhance bank performance and resilience against systemic financial risks [5] Group 3: Risk Management for Depositors - Depositors with savings exceeding 500,000 yuan are advised to consider placing their funds in joint-stock banks, which typically offer higher interest rates than state-owned banks while presenting lower risks than smaller banks [5] - It is recommended that depositors utilize three-year large-denomination time deposits in joint-stock banks to secure higher interest rates and lock in medium to long-term rates [5] - The central bank's 2015 Deposit Insurance Regulation ensures that deposits and interest up to 500,000 yuan are fully compensated within seven working days in the event of a bank failure [7] - Depositors should check for deposit insurance markings when choosing a bank and avoid placing all funds in a single bank, instead diversifying across 2-3 banks to mitigate risks [9] - It is crucial for depositors to distinguish between "deposits" and "wealth management products," as the latter may not be covered by the deposit insurance in case of bank failure [9]