定期存款利率1.25%，都没有人存了，银行员工诉苦：储户都在想什么呢？

Core Viewpoint - The continuous decline in bank deposit interest rates is leading to decreased enthusiasm among depositors, with many opting to withdraw their savings for investment or consumption instead [1][3][5]. Group 1: Reasons for Declining Deposit Rates - Banks are lowering deposit rates to encourage depositors to invest and consume, thereby stimulating economic growth [3]. - The loan market remains sluggish, prompting banks to reduce deposit rates to lower financing costs for businesses and homebuyers, aiming to revive loan demand [3]. - By decreasing deposit rates, banks can widen the interest rate spread between deposits and loans, enhancing their performance and ability to withstand systemic risks [3]. Group 2: Factors Affecting Depositor Behavior - The current deposit interest rates are perceived as too low, leading depositors to feel that saving money is not worthwhile, with some choosing to keep cash at home or spend it on consumption [5]. - Rising inflation rates mean that deposit interest rates are failing to keep up, eroding the purchasing power of deposited funds over time [5]. - An increasing number of investment channels, such as stocks, funds, and bank wealth management products, offer higher returns than fixed-term deposits, prompting depositors to withdraw funds for these investments [5]. Group 3: Investment Recommendations - For risk-averse investors, it is advisable to maximize deposit interest rates by choosing private banks, large time deposits, or long-term fixed deposits [7][9]. - For those who can tolerate some risk, a diversified asset allocation strategy is recommended, including a mix of fixed-income products, low-risk investments, and medium-risk assets like equity funds [9].