高息难寻，不少热衷“跨省存款”的特种兵们选择年末“躺平”

Core Viewpoint - The competition among banks to attract deposits through high interest rates has diminished as deposit rates are being lowered, leading to a decline in the enthusiasm of depositors, referred to as "deposit special forces" [1][2][4] Group 1: Deposit Trends - Banks are engaged in a "deposit war" at the end of the year to attract more customers by offering higher interest rates [1] - The trend of cross-province depositors seeking higher interest rates has decreased significantly due to the reduction in available high-interest deposit products [3][4] - A depositor from Hangzhou noted that last year, he could secure a 2% interest rate in Guangdong, but this year, he struggles to find similar offers [3] Group 2: Local Bank Strategies - Some local banks are adjusting their deposit rates to attract customers, with one depositor in Ningbo securing a 2.1% interest rate for a three-year deposit, which is considered a high point currently [8] - Several banks in Hangzhou are offering promotional activities, such as higher interest rates and gifts for depositors, to boost their deposit intake [8] Group 3: Shift in Investment Focus - As deposit rates decline, former "deposit special forces" are increasingly discussing investments in gold, silver, and stocks, indicating a shift in focus from traditional savings to other investment opportunities [9] - The long-term trend of decreasing deposit rates may lead to a continued decline in the popularity of high-interest savings accounts [9]