存款市场迎来新变化！2026年2月，家里存款超50万的，记得这4件事

Core Insights - The domestic deposit market is experiencing two significant changes: a decline in fixed deposit interest rates and an increase in the number of bank failures [1] Group 1: Changes in Deposit Rates - Fixed deposit interest rates have decreased significantly, with the 3-year fixed deposit rate dropping from 3.25% to 1.55%, representing a decline of over 50% [1] Group 2: Bank Failures - The number of bank failures is expected to continue rising, with recent closures including Baoshang Bank, Liaoyang Rural Commercial Bank, and Taizihou Village Bank [1] Group 3: Recommendations for Depositors - Households with deposits exceeding 500,000 should maximize their deposit returns by choosing joint-stock banks, which offer higher rates than state-owned banks while posing lower risks than small banks [3] - It is crucial for depositors to verify whether their bank participates in deposit insurance, as this ensures compensation for deposits up to 500,000 within seven working days in the event of a bank failure [4][6] - Depositors with amounts exceeding 500,000 should diversify their funds across 2-3 banks, ensuring that no single bank holds more than 500,000 to mitigate potential losses [7] - Understanding the difference between deposits and wealth management products is essential, as only traditional deposit products are covered by deposit insurance, while wealth management products may not offer any compensation in case of bank failure [8][10]