近些年，国内银行存款市场迎来大调整。存款利率一直呈现下降的趋势。以3年期存款利率为例，之前是3.25%，现在已经跌至1.75%，跌幅超过40%。如果 拿50万存入银行，之前到期存款利率是48750元，现在只有26250元，两者足足相差22500元。而受到银行存款利率下降影响最大的是手里有较多存款的中老 年群体，以及想靠存款利息收入生存的人群。 导致银行存款利率一直在下跌的原因有三个：①银行希望通过降息的方式，迫使储户把存款拿出来投资和消费，这样可以刺激经济的快速增长；②银行希望 通过降息，使贷款市场的利率也能同步下降。这样就可以降低企业和购房家庭的融资成本，以刺激贷款市场的回暖。③通过连续下调存款利率，可以扩大存 贷利差，这样既能提升银行业绩，又能增强银行抵御系统性风险的能力。 除此之外，中小银行破产和解散的数量也在增加。近些年，就有辽阳农商银行、辽宁太子河银行等中小银行宣布破产。此外，截至2025年12月底，年内通过 解散、合并或注销等方式退出的银行法人机构数量已达437家。主要是以村镇银行、农商银行为主。而导致中小银行破产解散的原因就是经营不善以及违规 经营。这意味着，储户把钱存入中小银行的风险在悄悄上升 ...

Group 1 - The core viewpoint is that Chinese residents are increasingly saving money, with a significant rise in bank deposits, reaching an increase of 10.77 trillion yuan in the first half of 2025, averaging 1.79 trillion yuan per month, resulting in a historical high of 7,692 yuan per capita [1] - The reasons for the increase in savings include the need to prepare for unexpected events such as unemployment and health issues, as well as potential expenses for children's education, retirement, and home purchases [1] - The current investment market is perceived as risky, leading individuals to prefer saving in banks where principal and interest are guaranteed [1] Group 2 - Starting from September, individuals with fixed deposits should prepare for a continued decline in deposit interest rates [3] - From 2024, bank deposit rates are entering a downward trend, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a significant reduction in interest income for depositors [5] - To mitigate the impact of declining rates, depositors are advised to consider higher-yielding banks for long-term deposits or invest in risk-free products like large-denomination certificates of deposit or government bonds [5] Group 3 - Depositors are advised to maintain liquidity by not locking all funds in long-term deposits, as emergencies may require access to cash [7] - A recommended strategy is to divide savings into three parts across different term deposits (1-year, 2-year, and 3-year) to ensure annual liquidity while still benefiting from higher interest rates [7] - The increasing number of small banks facing bankruptcy or dissolution poses a risk to depositors, with 105 banks approved for dissolution in 2024 [9] Group 4 - To safeguard against potential bank failures, depositors should check for deposit insurance, limit deposits to 500,000 yuan per bank, and diversify funds across multiple banks [9] - Many depositors feel that keeping money in banks yields insufficient returns, prompting a shift towards investing in stocks, funds, and bank wealth management products for higher returns [11] - The current investment environment is challenging, with significant bubbles in real estate and stock markets, leading depositors to wait for better investment opportunities while keeping their principal safe in banks [11]