一文聊聊存款搬家

Group 1 - The article highlights that a significant amount of high-interest fixed deposits made by residents will mature between 2025 and 2026, with a total of 66.54 trillion yuan in fixed deposits added from 2021 to 2024, leading to a peak maturity of 22.28 trillion yuan in 2025 and 9.4 trillion yuan in 2026 [3][9] - In August, there was a notable decrease in bank deposits, with only 110 billion yuan saved compared to a typical 600 billion yuan, indicating a shift of funds from banks to other investments, particularly the stock market, as evidenced by a 7.97% increase in the Shanghai Composite Index and a 24.13% increase in the ChiNext Index [10][11] - The M2-M1 growth rate difference is narrowing, suggesting a transition from "dead money" (fixed deposits) to "live money" (liquid assets), reflecting a recovery in economic activity as businesses and consumers are more willing to invest and spend [12][15] Group 2 - The article suggests that the upcoming maturity of high-interest fixed deposits in 2025 and 2026, combined with a sustained positive performance in the stock market, could enhance liquidity in the stock market as more fixed deposits convert to liquid assets [15]