高息不再 “存款特种兵”沉默

Core Viewpoint - The article discusses the declining interest rates on large time deposits in China, leading depositors to explore alternative investment options such as gold and stocks, reflecting a shift in savings behavior among traditional depositors [1][14]. Group 1: Current Deposit Trends - Many depositors, previously focused on high-interest large time deposits, are now turning to gold and other investment vehicles due to the unavailability of similar high-yield products [1][14]. - A significant decline in interest rates for large time deposits is noted, with major banks offering rates as low as 1.55% for 3-year deposits, compared to previous rates above 3% [5][6]. - The availability of long-term large time deposits has decreased, with major banks no longer offering 5-year products and reducing the number of 3-year and shorter-term options [3][4]. Group 2: Market Response and Alternatives - Smaller banks are capitalizing on the situation by actively marketing their deposit products through social media, attempting to attract funds from depositors seeking better rates [10][12]. - Some banks are offering promotional rates for new customers, with products like 3-year transferable large time deposits at rates up to 2.95%, which are higher than standard offerings [12][11]. - Depositors are increasingly diversifying their investments, with a notable shift towards non-guaranteed financial products and lower-risk investments, reflecting a broader trend in asset allocation [14][15]. Group 3: Depositor Behavior and Preferences - Depositors can be categorized into two groups: those seeking stability with traditional deposits and those willing to take risks by investing in higher-yield products [14]. - The preference for non-guaranteed financial products has increased, with bank wealth management products and funds becoming popular among depositors looking for better returns [14]. - According to a survey, 62.3% of residents prefer to save more, indicating a cautious approach to financial management amid changing interest rates [14].