银行内部人员透露：12月开始，手握“50万存款的人”，请做好3个准备

Core Insights - The domestic deposit market is experiencing a paradox where bank deposit rates are declining significantly, with 3-year fixed deposit rates dropping from 3.05% to 1.55%, a nearly 50% decrease, while public enthusiasm for saving is increasing, as evidenced by a new RMB deposit increase of 23.32 trillion yuan from January to October 2025, with household deposits accounting for 11.39 trillion yuan, or 48.8% of total new deposits [1][3]. Group 1 - The central bank aims to stimulate economic growth by lowering interest rates to encourage consumers to invest and spend, but individuals continue to save primarily for emergencies like unemployment and illness, which dampens the impact of lower rates on saving behavior [3]. - To maximize deposit returns, individuals are advised to deposit funds in joint-stock banks, which typically offer higher rates than state-owned banks, while also being less risky than village and commercial banks [5]. - Individuals should consider purchasing large-denomination certificates of deposit (CDs) as they generally offer higher rates than fixed deposits and have transferability features [5]. Group 2 - Maintaining liquidity is crucial; individuals should avoid locking all funds in long-term fixed deposits, as this can lead to losses if funds are needed unexpectedly [6][8]. - A recommended strategy for individuals with 500,000 yuan is to allocate 250,000 yuan to a 3-year large-denomination CD, 200,000 yuan to a 1-year large-denomination CD, and keep 50,000 yuan in short-term fixed deposits for emergency liquidity [8]. - Diversifying deposits across multiple banks is advisable to mitigate risks associated with bank failures, as deposit insurance only covers amounts up to 500,000 yuan in case of a bank collapse [9][11].