经济日报：理性看待“存款到期潮”

Core Viewpoint - The discussion around the "deposit maturity wave" is increasing, with estimates suggesting that the scale of household deposits maturing in 2026 could reach several tens of trillions of yuan [1] Group 1: Market Analysis - Various analytical institutions have conducted assessments on the scale of deposits maturing in 2026, leading to differing results due to varying statistical criteria [1] - The overall consensus indicates that the maturing household deposits could amount to a significant figure in the range of tens of trillions of yuan [1] Group 2: Financial Institutions' Strategies - Financial institutions are encouraged to innovate financial products, particularly "structured deposit" products, to meet the core demand of depositors for long-term stable returns [1] - Structured deposits are floating-rate deposits typically linked to derivatives, allowing for principal investment in deposits while the interest portion is invested in financial derivatives such as currency, indices, stocks, and gold markets [1] - Additionally, financial institutions can create one-stop comprehensive service platforms, or "wealth management supermarkets," to streamline the process for depositors, enabling them to access a variety of financial products tailored to their needs on a single platform [1]