存款“不香了”？年轻人理财青睐“新三金”，寻找“可持续的小收益”！

Core Viewpoint - The trend of young investors shifting towards stable and low-risk financial products, termed "New Three Golds," reflects a broader change in asset allocation strategies in response to declining deposit rates and a desire for more secure investment options [1][6]. Group 1: Investment Trends - Young investors are increasingly favoring diversified asset allocations, moving away from traditional gold jewelry to "New Three Golds," which include money market funds, bond funds, and gold ETFs [3][6]. - As of April, 9.37 million individuals from the post-90s and post-00s generations have adopted the "New Three Golds" strategy on platforms like Alipay [3]. - The shift in investment preferences is driven by a combination of low deposit rates and a growing aversion to investment risks among young people [6]. Group 2: Deposit Flow and Market Dynamics - Recent adjustments in deposit products by banks, including the cancellation of high-interest long-term deposits, indicate a significant change in the banking landscape [4]. - The People's Bank of China reported an increase of 23.32 trillion yuan in RMB deposits over the first ten months of the year, with household deposits rising by 11.39 trillion yuan [4]. - The trend of reallocating savings from banks to other assets reflects a broader reconfiguration of household asset management strategies [5]. Group 3: Banking Sector Transformation - The banking industry is undergoing a transformation, shifting from a focus on scale to optimizing structure and enhancing service offerings in response to sustained pressure on net interest margins [7][9]. - Banks are increasingly adopting a customer-centric approach, emphasizing comprehensive financial solutions to retain clients and stabilize funding sources [7]. - The ongoing pressure on net interest margins is pushing banks to diversify into wealth management, investment banking, and non-interest income-generating activities [9].