人均存款11.89万元！多个经济大省公布金融数据，居民存款结构有哪些变化？

Core Insights - The central theme of the news is the significant increase in household deposits and the rising proportion of fixed-term deposits in China, as reported by the central bank and various local financial institutions for the year 2025 [1][2][5]. Group 1: Financial Statistics - As of the end of December 2025, the total balance of domestic and foreign currency deposits reached 336.14 trillion yuan, marking a 9% year-on-year increase [2][5]. - The balance of household deposits stood at 167.04 trillion yuan, reflecting a year-on-year growth of 9.71% [2][5]. - The average per capita deposit for the national population, estimated at 1.40489 billion, is approximately 118,900 yuan [2][5]. Group 2: Deposit Structure - The proportion of fixed-term deposits has reached a record high of 73.3%, an increase of 0.8 percentage points from the previous year [2][3]. - In various provinces, fixed-term deposits account for over 70% of total deposits, with Hebei showing the highest at 80.68% [3][5]. - The structure of household deposits indicates a shift towards fixed-term savings, with the "fixed vs. current" ratio entering a "70-30" era [2][3]. Group 3: Regional Insights - Zhejiang province leads with the highest per capita deposit of 177,700 yuan, with a total deposit balance of 24.63 trillion yuan [5][6]. - Jiangsu province reported the largest increase in household deposits, with a year-on-year growth of 11.48%, bringing the total to 13.3 trillion yuan [7]. - Guangdong province has the highest total deposit balance at 38.7 trillion yuan, with a per capita deposit of approximately 118,300 yuan [6][9].