近些年，国内老百姓都喜欢把钱存在银行里面。资料显示：2025年一季度，全国居民新增存款9.22万亿元。居民们爱存钱的原因是，当前不确定因素有很 多，大家存钱就是为了应对失业、疾病等不时之需。此外，现在股票、基金、银行理财产品等高收益品种的风险较大，弄不好会亏损本金，还不如老老实实 把钱存在银行里面，至少本金和利息是有保障的。 而面对老百姓存钱热情越来越高涨，有业内人士提出，现在银行出台4大新规，不懂可能会吃亏。它们分别是：①存款利率一降再降；②存款利率出现倒 挂；③大额存单越来越少；④存款保险制度升级。让我们一起来了解一下： 新规一：存款利率在持续下跌 现如今，银行各档存款利率在持续下跌。前些年，3年期存款利率是3.05%，现在已经跌到了1.8%，跌幅超过40%。如果之前你把10万元存入银行3年定存， 平均每年能拿到3050元利息，而现在就只能拿到1800元利息，每年的存款利息足足少了1250元。而受到存款利率下降影响最大有两类人群：①平时爱存钱的 中老年群体；②想依靠存款利息生存的群体。 导致现在存款利率持续下跌的原因主要有三个：首先，央行希望老百姓把存款拿出来，用于投资和消费，这样可以加快经济复苏步伐。再 ...

近年来，银行业出现两大调整趋势：一个是银行存款利率越来越低，国有银行各档存款利率已经跌破了2%大关。另一个是，中小银行破产和解散的情况越 来越多。比如，太子河村镇银行、辽宁商业银行等银行宣布破产倒闭。同时， 2024年有195家中小银行宣布解散，这一数字创下近十年新高。这也意味着， 储户的存款安全会受到影响。 而面对当前银行存款市场出现的调整趋势，有业内人士提出，从6月1日起，存款超过50万的家庭需留意以下几个新情况，这关乎到大家的切身利益： 第一，储户取现的难度增加了 现在储户如果存款到期，需要提取现金时，取现的难度较过去有所增加。过去提取10万元以上的大额现金只需要提前一天预约就可以。而现在至少需要提前 3个工作日预约。所以，预约时间较之前大幅延长。当然，储户如果有急事需要提取大额现金，可以走绿色通道，或者转账的方式来解决问题。 此外，储户还需要提供资金的用途信息。比如，购房、买车、房子装修等。而银行之所以要加强对储户大额取现的管控，就是为了打击洗钱、电信诈骗、非 法交易、偷税漏税等不法行为，起到维护金融系统的稳定，以及储户存款的安全性。 第二，银行存款利率出现倒挂现象 现在部分银行存款利率出现倒挂的现象 ...

在新一轮银行存款降息中，中小银行迅速跟上。截至5月27日，已有上海银行、宁波银行、江苏银行、 北京银行等多家银行在5月20日后下调了存款利率。 市场分析认为，无论是中小银行迅速跟进降息，还是短存利率高于长存，都反映出中小银行面临着成本 压力，希望降低负债成本进一步降低息差压力。 中小行迅速跟进存款降息 《中国经营报》记者注意到，各家银行对于此轮储蓄存款挂牌利率调整响应的速度很快。 自5月20日开始由国有银行引领新一轮存款降息，当天招商银行便已跟进；5月21日更多股份制银行响 应。随后，陆续有中小银行发布了存款利率下调的公告。 5月20日，新一期贷款市场报价利率（LPR）公布，一年期LPR和五年期以上LPR分别下调10个基点， 降至3%、3.5%。这是自2024年10月以来，时隔7个月LPR再度降息，也是2025年首次降息。 "国有大行率先下调存款利率后，起到带头作用。在利率市场化背景下，中小银行要更灵活地运用利率 工具，通过短期高息存款吸引本地客户。未来，随着央行进一步推动存款利率下行，中小银行或将继续 强化短期存款的吸引力，并通过精细化定价策略平衡流动性与盈利能力。"田利辉说。 又现存款利率倒挂 此轮调整后 ...

银行引导储户"存短期"的意图依然清晰。 值得注意的是，目前中小银行仍存在一定程度的存款利率期限倒挂。例如，记者21日致电咨询时，新疆库尔勒富民村 镇银行1年期存款利率为2%，两年期存款利率为2.05%，5年期存款利率为1.95%。怀仁农商行、朔州农商行、陵川县 联社的中短期限存款利率也存在不同程度的倒挂。 华南一名银行分析人士认为，按照存款降息"大行先行、中小行跟进"的节奏，此后上述中小银行1年期存款利率或也 将陆续下调，与3年期、5年期存款利率接近。市场中存在的存款利率极限倒挂现象或将逐步消失。 此前第一财经曾报道多家银行出现"存两年不如存一年""存五年不如存一年"的极限倒挂现象。（详见《存两年不如存 一年？多家银行中短期限存款利率罕见倒挂》） 现在随着存款降息潮来临，活期与中短期存款利率普遍下调，以招商银行为代表的头部机构，其一年期与五年期存款 利率倒挂已消失。目前，中小银行期限倒挂依然存在。部分业内人士认为，随着后续中小银行补降，中短期限存款利 率进一步压降，与长期限存款利率间的倒挂或也将减少或消失。 值得关注的是，银行引导储户"存短期"的意图依然清晰，在应对净息差收窄压力的同时，正通过精细化定价策略重 ...

"以现在的存款利率水平，跨城存款真的没有必要了，往返的交通费都补不回来。"一位储户在某社交平 台上写道。 在净息差持续承压的倒逼之下，一季度"开门红"活动结束以后，银行业整体步入了存款降息通道。 一方面，全国性商业银行虽仍保持存款挂牌利率不变，但却纷纷下调特色存款利率；另一方面，中小商 业银行加速补降，半年不到已多轮降息。 以"利息高地"民营银行为例，第一财经不完全统计发现，年内，19家民营银行已调降存款利率40余次。 这也导致大中小商业银行之间原本呈现阶梯状的存款利率日渐模糊，"去2进1"成为了银行业的整体选 择。 "去2进1"成为银行业的整体选择。 近段时间，沉寂了多时的"存款特种兵"话题在多个社交平台再次火热，只不过，这一次人们讨论的不再 是跨省存款，而是"存款特种兵"们正在走向绝迹。 当不同银行之间的存款利差无限缩窄之后，越来越多的储户开始转向存款替代品，银行理财规模呈现持 续上升态势。 正在消失的"特种兵"们 过去几年，"存款特种兵"曾多次引发现象级讨论。所谓"存款特种兵"，是指储户尤其是一些年轻储户， 为了谋求更高的存款利率，专门奔赴另一个省份或者城市的中小银行网点开户存款。 早在2021年年初， ...

低利率时代，"存五年不如存一年"愈发常见。 作为商业银行最为普遍的揽储工具，一直以来，定期存款以保本保息等特点受到储户们的欢迎。在此前，定期存款的期限越久，往往银行设置的年化利率越高，这 也意味着，储户将获得更多的利息收入。 然而，随着银行业息差向窄、经营承压，去年以来，存款利率历经几番下调后已进入"1"时代。更值得关注的是，定期存款存得越久、拿得越多的"铁律"也不再适 用。 5月12日，天津银行发布调整海鸥存及幸福存单产品利率的公告显示，5月13日起，该行海鸥存产品2年期、3年期、5年期年化利率分别为1.8%、2%、1.75%，其 中，2年期海鸥存年化利率较未调整前上调5个基点，3年期、5年期则分别较调整前下调5个、30个基点。 券商中国记者对比发现，5年期海鸥存产品的年利率不仅下调幅度较大，且下调后年化利率已低于同产品的2年期利率。 中小银行利率倒挂 | 产品名称 | 产品期限 | 起存金额 | | 产品利率 | | --- | --- | --- | --- | --- | | | | | 调整前 | 调整后 | | 海鸥存 | 3个月 | 1万元 | 1.35% | 1.35% | | | 6个月 | ...

Core Viewpoint - Recent significant reductions in deposit rates by several small and medium-sized banks have led to unusual phenomena such as one-year deposit rates exceeding five-year rates, indicating a shift in banks' deposit management strategies [2][3][7]. Group 1: Deposit Rate Adjustments - Multiple small and medium-sized banks have initiated a new round of deposit rate cuts, with noticeable instances of one-year rates surpassing five-year rates, such as Xinjiang Korla Fumin Village Bank's one-year rate at 2.0% compared to 1.95% for five years [2][3]. - The phenomenon of "rate inversion" has become more common, with banks like Shandong Yinan Blue Ocean Village Bank showing three-year rates at 2.0% while five-year rates are at 1.8%, a 20 basis point difference [3][5]. - Guangdong Qingxin Rural Commercial Bank has also adjusted its rates, with one-year rates at 1.1% and three-year rates at 1.53%, indicating a trend where longer-term deposits yield lower returns [4]. Group 2: Market Reactions and Trends - The banking sector is experiencing a trend where deposit growth outpaces loan growth, with banks like Xiamen Bank reporting a 3.17% increase in deposits while loans decreased by 2.02% [6]. - There is a noticeable shift towards "regularization" of deposits, with personal term deposits increasing significantly across various banks, indicating pressure on banks' liability management [6]. - Analysts suggest that the ongoing trend of declining interest rates will lead to more frequent occurrences of deposit rate inversions, as banks adjust their strategies to manage costs more effectively [7][9]. Group 3: Future Expectations - The People's Bank of China has indicated a potential for further reductions in deposit rates, which may lead to a collective nationwide decrease in interest rates, impacting banks' ability to attract deposits [7][8]. - The expectation of continued downward pressure on rates suggests that banks will need to refine their deposit management strategies to remain competitive in attracting customers [9].

Core Viewpoint - The continuous decline in deposit interest rates has raised concerns among depositors, with many banks reducing rates significantly, leading to a situation where depositors find it challenging to locate products with rates exceeding 2% [1][2] Group 1: Deposit Rate Changes - Since April, over 20 commercial banks have lowered their fixed deposit rates, marking a shift towards the "1 era" for deposit rates [2] - For instance, Qingxu Rural Commercial Bank's rates for various terms are now 1.6%, 1.7%, 1.9%, and 1.9% for 1-year, 2-year, 3-year, and 5-year deposits respectively [2] - The rates at Luoping Xingfu Rural Bank have also dropped significantly, with 3-month, 6-month, 1-year, 2-year, 3-year, and 5-year rates falling from 1.45%-2.25% to 1.10%-1.95% [2] Group 2: Impact on Depositors - A deposit of 10,000 yuan at Luoping Xingfu Rural Bank yields only 145 yuan in interest for one year, and the total interest over five years is less than 1,000 yuan [4] - The decline in deposit rates has resulted in a substantial reduction in returns for depositors [4] Group 3: Interest Rate Inversion - A notable phenomenon of "inversion" in deposit rates has emerged, where short-term rates are higher than long-term rates, such as a 3-year rate of 1.90% compared to a 5-year rate of 1.55% at China Construction Bank [6] - Other banks like Ping An Bank and Huaxia Bank also exhibit similar trends, with 3-year rates significantly higher than 5-year rates [6] Group 4: Reasons for Rate Inversion - Banks are lowering long-term deposit rates to encourage consumer spending and avoid long-term deposits that could hinder economic liquidity [7] - Concerns about future interest rate declines lead banks to reduce long-term rates to mitigate potential high-interest liabilities [7] Group 5: Future Outlook and Asset Allocation - The market interest rates are expected to continue declining, which may further reduce depositors' savings returns [9] - In the current environment, depositors are advised to adjust their asset allocation strategies based on their risk tolerance and investment needs, considering low-risk products like cash management funds and government bonds [11] - For those with higher risk tolerance, exploring stocks and equity funds may be appropriate, but caution is advised to avoid unnecessary risks [12][13]

Group 1 - The core viewpoint of the articles highlights a significant decline in deposit interest rates across various banks, with many institutions now offering rates starting with "1" percent, indicating a shift towards lower returns for savers [1][2][4] - Since April, over 20 commercial banks have reduced their fixed deposit rates, with rates above 3% becoming increasingly rare in the market [1][2] - Major banks, including state-owned and private banks, have joined the trend of lowering deposit rates, diminishing the previously perceived advantages of rural and private banks [2][3] Group 2 - There is a notable "inversion" in deposit rates, where the average interest rate for 3-year fixed deposits (2.042%) is higher than that for 5-year deposits (1.883%), indicating a shift in consumer preferences and bank strategies [4][7] - The trend of lowering long-term deposit rates is a strategy for banks to mitigate risks associated with high-interest liabilities in a declining interest rate environment [7] - The continuous decline in deposit rates is expected to lead to reduced savings returns for consumers, prompting a need for individuals to reassess their asset allocation strategies [7]