存款到期，居民的钱流向哪儿？

Group 1 - The market is increasingly focused on the "deposit maturity wave," with estimates suggesting that the scale of household deposits maturing in 2026 could reach several tens of trillions of yuan [1][2] - The question of where these large-scale deposits will flow is critical, impacting both individual financial security and the funding sources for the real economy [1][2] - The financial services provided to the real economy will not diminish with deposit maturities, as funds will still flow to the economy, albeit potentially with different timeframes [2][3] Group 2 - Financial institutions, particularly wealth management firms, need to deeply analyze and segment the diverse needs of depositors, as different demographics have varying risk preferences and financial goals [3] - There is a pressing need for financial products to better match the diverse needs of depositors, moving away from a one-size-fits-all approach to more tailored solutions [3] - Financial institutions can innovate by creating structured deposit products linked to derivatives, and by establishing comprehensive service platforms that allow depositors to access a variety of financial products in one place [3]