2026年春节后，去银行存款的人，要牢记“4要2不要”，很多人还不知道

Group 1 - The core viewpoint of the articles indicates that many small and medium-sized banks in China are raising deposit interest rates as they approach 2026, with 3-year fixed deposit rates reaching up to 1.9% and large certificates of deposit up to 1.95% [1] - The reasons for banks increasing deposit rates include the influx of cash from citizens around the Spring Festival and the impending maturity of nearly 29 trillion yuan in fixed deposits in the first quarter of 2026, which raises concerns about retaining these funds [1] Group 2 - The article outlines the "4 musts" for depositors, starting with the importance of choosing the appropriate deposit term [3] - It emphasizes maximizing interest income by suggesting that depositors should prefer joint-stock banks over state-owned banks due to higher interest rates offered by the former [6] - It advises depositors to recognize the "deposit insurance mark" to ensure their deposits are protected up to 500,000 yuan in case of bank failure [9] - It recommends diversifying deposits across multiple banks and keeping individual bank deposits below 500,000 yuan to mitigate risks [10] Group 3 - The article also highlights the "2 don'ts," warning depositors not to be lured by high-interest rates from small banks, as these may involve higher risks due to potential investments in high-yield projects [11] - It cautions against mistakenly purchasing other financial products that do not qualify for deposit insurance compensation, emphasizing that only traditional deposit products are covered [14]