给有存款的储户提个醒：明年起，再不懂这两手准备，钱就等于白存

Core Viewpoint - The willingness of depositors to save money is increasing, with a significant rise in household deposits due to concerns over unemployment and investment risks in financial products [1] Group 1: Deposit Trends - Household deposits increased by 12.06 trillion yuan in the first eleven months of 2025, indicating a growing trend among both older and younger demographics to save money [1] - The rising investment risks in stocks, funds, and bank wealth management products have led depositors to prefer saving in banks for security [1] Group 2: Maximizing Deposit Returns - Since 2023, domestic deposit interest rates have entered a downward trend, with the three-year deposit rate dropping from 3.05% to 1.55%, resulting in a decrease of 1,500 yuan in annual interest income for a 100,000 yuan deposit [5] - To maximize deposit returns, it is recommended that depositors choose joint-stock banks, which offer higher interest rates compared to state-owned banks while maintaining better security than smaller banks [5] - Depositors should consider three-year term deposits to lock in rates and ensure long-term returns, while also keeping some funds in shorter-term deposits for liquidity [6] Group 3: Ensuring Deposit Safety - There have been instances of bank failures in China, highlighting the importance of understanding deposit insurance regulations, which cover deposits and interest up to 500,000 yuan within seven working days [9] - To ensure deposit safety, it is advised to check for deposit insurance markings, diversify deposits across multiple banks, and distinguish between deposits and investment products, as only deposits are insured [9] - The focus for depositors in the coming year should be on maximizing returns while ensuring the safety of their deposits, particularly by utilizing joint-stock banks and understanding the implications of deposit insurance [9]