银行存款大调整！2026年起，家里存款超50万的，记得这3件事

Group 1 - The domestic bank deposit market has undergone significant adjustments in recent years, with deposit rates consistently declining. For example, the 3-year deposit rate has dropped from 3.25% to 1.75%, a decrease of over 40% [1][3] - The decline in deposit rates has the most significant impact on middle-aged and elderly individuals with substantial savings, as well as those relying on interest income for living expenses [1] - The reasons for the continuous decline in bank deposit rates include: 1) banks aiming to encourage depositors to invest and consume to stimulate economic growth; 2) banks wanting to lower loan market rates to reduce financing costs for businesses and homebuyers; 3) banks seeking to expand the interest rate spread between deposits and loans to enhance performance and risk resilience [3] Group 2 - The number of small and medium-sized banks facing bankruptcy and dissolution is increasing, with 437 banking institutions expected to exit the market by the end of 2025, primarily among village banks and rural commercial banks [3] - The causes of bankruptcy and dissolution among small and medium-sized banks include poor management and regulatory violations, indicating rising risks for depositors in these institutions [3] - Industry experts advise depositors with over 500,000 to take precautions starting in 2026, including understanding whether their bank participates in deposit insurance, diversifying deposits across multiple banks, and opting for large-denomination certificates of deposit to enhance returns [6][9][13] Group 3 - Most domestic banks participate in deposit insurance, but some small banks do not. According to the Deposit Insurance Regulations, only banks that participate in the insurance will fully compensate depositors for amounts below 500,000 in the event of bankruptcy [8] - Depositors are advised not to place all their funds in a single bank, especially if their deposits exceed 500,000, to ensure that they remain within the insured limit for full compensation [11] - Large-denomination certificates of deposit typically offer higher interest rates compared to regular deposits and have a minimum threshold of 200,000. They also have transferability features, allowing depositors to transfer them in case of emergencies, which can mitigate losses compared to early withdrawals from regular deposits [13]