2%的银行存款几乎绝迹

Core Viewpoint - The article highlights the ongoing competition among banks for deposits as a significant amount of fixed-term deposits, estimated at 50 trillion yuan, will mature by 2026, leading to a shift towards alternative investment products like bank wealth management and "fixed income+" products [6][7]. Group 1: Market Dynamics - Millions of households are facing reduced interest rates on maturing fixed-term deposits, with rates dropping to below 2% from over 3% three years ago, prompting a search for stable alternative investment products [5][6]. - The trend of "deposit migration" is expected to result in 2 to 4 trillion yuan of activated funds flowing into bank wealth management and other non-fixed deposit investment areas by 2026, with "fixed income+" and mixed equity products projected to grow by 20% year-on-year [5][7]. Group 2: Product Innovation - Banks are increasingly launching mid-to-low risk "fixed income+" wealth management products that aim to enhance returns while maintaining low volatility, with internet banks like WeBank and MyBank leading promotional activities to attract customers [5][8]. - The wealth management market reached a record size of 33.29 trillion yuan by the end of 2025, with 143 million investors, indicating a robust demand for diversified investment options [7]. Group 3: Consumer Preferences - "Fixed income+" products are gaining popularity among consumers due to their ability to provide a stable base with bond assets while allowing for flexible allocation to stocks and other assets, reflecting a shift in investor preferences towards more balanced risk and return profiles [11][12]. - The average annual return for "fixed income+" products was 3.00% in 2025, outperforming traditional fixed income products by 47 basis points, showcasing their appeal in a low-interest-rate environment [11][12].