从跨省赚息到无利可逐！“存款特种兵”偃旗息鼓

Core Viewpoint - The phenomenon of "deposit special forces" has faded as the high-interest deposit rates that attracted savers have diminished, leading to a shift towards a low-interest era in wealth management [1][5][8]. Group 1: Market Trends - In 2023, there was a significant differentiation in deposit rates, with state-owned banks lowering rates while some regional and small banks maintained higher rates to attract deposits [3][4]. - By 2025, a new wave of interest rate cuts began, with many banks, including state-owned and small banks, reducing their deposit rates, leading to a decline in the popularity of "deposit special forces" [4][5]. - The disappearance of long-term deposit products, such as 5-year and 3-year fixed deposits, has been noted, with several banks announcing the removal of these products from their offerings [6][7]. Group 2: Impact on Savers - Savers are now faced with the challenge of wealth preservation and growth in a low-interest environment, necessitating a shift from a single deposit strategy to a diversified asset allocation approach [8][9]. - Recommendations for savers include prioritizing liquidity and safety for short-term needs, while considering structured deposits and insurance products for medium-term goals, and exploring higher-risk investments for long-term growth [8][10]. - The data indicates a growing interest in net value-based financial products, which offer a risk-return profile between deposits and stocks, reflecting a shift in asset allocation strategies among residents [9]. Group 3: Financial Literacy - It is emphasized that savers should enhance their financial literacy, carefully reviewing product details and understanding risk levels and investment strategies before making decisions [10]. - A balanced approach to risk and return is advised, with a focus on aligning investment choices with individual risk tolerance and financial goals [10].