很多人开始乘高铁跨省存款，三年期多赚3000元，真有必要吗？

Core Viewpoint - The continuous decline in bank deposit interest rates has led to increased anxiety among depositors, prompting some to seek higher returns through cross-province deposits [1][10]. Interest Rate Trends - Bank deposit interest rates have significantly decreased, with three-year fixed deposit rates nearing 1.5%, down from 3.5% to 4.2% before 2021 [1][2]. - Major banks have reduced three-year deposit rates to around 1.3%, and the highest rates for large certificates of deposit are now approximately 1.55%, representing a reduction of over 50% from previous peaks [2][5]. Cross-Province Deposits - In response to low interest rates, some depositors are traveling long distances to seek better rates, a phenomenon referred to as "cross-province deposits" [3][10]. - Smaller banks, such as city commercial banks and rural banks, are offering higher rates, with some three-year fixed deposit rates reaching 1.7% to 2%, which is about 30% higher than those offered by larger banks [5][7]. Case Studies - A case was shared where a depositor traveled to a rural bank in Guangdong to secure a 2.2% rate on a large deposit, resulting in an additional income of 30,000 yuan over three years compared to local bank rates [7]. Risks and Precautions - The rise in cross-province deposits has also led to potential risks, including fraudulent schemes where high-risk financial products are misrepresented as deposits [7][8]. - It is advised to conduct transactions through official bank counters and to be cautious of offers that seem too good to be true, ensuring that deposits are made in secure environments [8][12]. Conclusion - The trend of cross-province deposits highlights the sensitivity of depositors to interest rates in a low-rate environment, indicating a shift in behavior as individuals seek higher returns despite the associated risks [10].