近些年，国内老百姓存钱的热情越来越高涨。之前存款的主力军是中老年人。因为，中老年人收入稳定，日常开销不大，每个月总能存下一些钱。而现如 今，有越来越多的年轻人也开始加入到存钱的队伍。年轻人爱存钱主要是为了应对失业、疾病等突发事件。此外，现在投资市场的风险较大，很多厌恶风险 的人，也只能把钱存在银行里面，至少本金和利息是有保障的。 不仅如此，现在与老百姓生活休戚相关的商品价格都有不同程度的上涨，而存款利率却在不停的下跌，这就导致了存款的利息收入根本无法跑赢通胀水平。 同时，随着每年国内物价的上涨，手里有100万元存款的家庭，存款的购买力是一年不如一年。显然，拥有100万以上的储户现在既要面对存款利息收入越来 越少的挑战，而且这样的存款利率，根本无法跑赢通胀，特别是本金的购买力在不断下降。 挑战二：投资理财的风险在不断上升 而面对当前国内投资大环境，以及存款市场的趋势，就有业内人士提出：从2026年起，手握100万以上存款的人，或将面临这3大挑战。让我们一起来分析一 下： 挑战一：存款利率越来越低，利息跑不赢通胀 从2023年开始，存款利率就进入下跌的趋势之中。以3年期存款为例，之前存款利率是3.05%，现在只有 ...

Core Insights - The prediction of "future housing prices like green onions" has become a reality in 2025, causing significant concern among the Chinese populace as the real estate market faces a downturn and deposit interest rates continue to decline [1][5]. Real Estate Market - The once soaring housing prices are undergoing a profound value reshaping, with cities like Zhengzhou and Shijiazhuang already feeling the market chill, and even first-tier cities like Shanghai experiencing a price drop from over 90,000 yuan per square meter in 2021 to over 60,000 yuan, a decline of 30% [3][5]. - In lower-tier cities, housing prices have plummeted to rock-bottom levels, with properties in places like Hegang and Fuxin available for as low as 3,000 to 4,000 yuan per square meter, indicating a significant shift away from viewing real estate as an investment [5][7]. Banking Sector - The banking industry is facing challenges with rising deposit volumes and declining loan demand, leading to reduced deposit interest rates as banks attempt to stimulate investment and consumption [7][9]. - For ordinary depositors, the reduction in interest rates poses a wealth preservation challenge, with rates for three-year deposits dropping from 3.25% to 2.15%, a decrease of one-third, and further declines anticipated [7][9]. Challenges for Depositors - **Challenge 1: Declining Deposit Rates** The trend of falling deposit rates is expected to continue, making it difficult for depositors without investment knowledge to navigate high-risk investment options, while the meager interest income fails to keep pace with inflation [9][10]. - **Challenge 2: Increased Investment Risks** Many depositors are turning to high-yield investments like stocks and funds, but the investment environment in 2025 is grim, with the A-share market losing approximately 26.94 trillion yuan in total market value and average losses of around 140,000 yuan per investor [10][11]. - **Challenge 3: Entrepreneurship Risks** In light of the declining deposit rates and tough job market, many view entrepreneurship as a last resort for financial freedom, yet the path is fraught with challenges, including lack of experience and intense market competition, leading to high failure rates [11][12].