银行人员忠告2026存款族：利率进入“1时代”后，五大准备刻不容缓

Core Viewpoint - The domestic deposit market is experiencing significant changes, including declining deposit rates, increasing bank failures, and the removal of long-term large deposits by state-owned banks [1][11]. Group 1: Changes in the Deposit Market - Deposit rates have entered a downward trend, with current rates in the "1 era," where 3-year fixed deposit rates have dropped from 3.25% to 1.75%, a decline of over 40% [3][11]. - The number of bank failures, particularly among small and medium-sized banks, is on the rise, with examples including Liao Yang Rural Commercial Bank and Liaoning Taizihua Village Bank [1][11]. - State-owned banks have removed 5-year large deposits, and many small banks are following suit, leading to an inversion in 3-year and 5-year deposit rates [1][11]. Group 2: Recommendations for Depositors - Depositors should lock in deposit rates promptly, as rates are expected to continue declining into 2026, making it advisable to store long-term unused funds in 3-year fixed deposits to secure higher interest [3][11]. - Maintaining liquidity is crucial; depositors should avoid placing all funds in long-term deposits to prevent significant interest losses if early withdrawal is necessary [6][11]. - It is essential for depositors to check if their bank participates in deposit insurance, as this ensures full compensation for deposits and interest up to 500,000 in case of bank failure [7][11]. - Depositors are advised not to place all their funds in a single bank, especially if deposits exceed 500,000, to mitigate risks associated with bank failures and ensure better protection of their funds [9][11]. - Caution is advised against being lured by high-interest rates offered by small and medium-sized banks, as these may involve higher risks associated with the investments made by these banks [10][11].