2026年还未开篇，存款市场就有了新变化。 不少人觉得存定期稳当，闭眼选就行。 但银行内部人提醒，明年起存定期要格外谨慎。 尤其要记住"3不存"原则，不然利息可能直接减半，甚至踩坑担风险。 这类产品大多是"伪定期"，本质是捆绑了保险、理财的混合型产品。 想提前支取不仅没定期利息，还要扣高额违约金，甚至被锁死十几年。判断也简单，直接要求办"纯定期"，签合同前问清"是否受存款保险保障"，纯定期都 在保障范围内。 有些地方小银行为了冲规模，会通过互联网推高息异地存款。 利率虽比本地高0.5%以上，但监管对异地揽储管控越来越严，这类产品大多不合规。 以前大家都觉得，存期越长利息越高。 但现在这个老规矩彻底失效了。 多家国有大行出现利率倒挂，5年期定存利率反而比3年期低0.2%-0.3%。 硬存5年不仅收益低，还会锁死资金流动性。万一急用钱提前支取，利息只能按活期算，10万块存1年提前取，利息可能从几千块缩水到一百多，损失近 99%。 去银行存定期，很容易被推荐"高息专属产品"。 柜员只提高利率，却绝口不提附加条件。 记住"3不存"原则，避开隐形套路，再结合实用技巧规划。 才能让闲钱在安全的前提下，实现收益最大化，别让 ...

Core Viewpoint - The significant increase in household deposits, amounting to 11.09 trillion yuan from January to July this year, reflects public concerns about the economic outlook and a risk-averse mentality [1] Group 1: Deposit Appreciation - The continuous interest rate cuts in 2023 have led to historically low bank deposit rates, resulting in deposit interest income falling below inflation rates, indicating a risk of asset depreciation for savers [5] - Investors are encouraged to seek alternative appreciation channels, such as low-risk bond funds, and to diversify their asset allocation based on their risk tolerance [5] Group 2: Deposit Safety - Many individuals mistakenly believe that depositing money in banks is entirely safe; however, risks still exist, particularly for elderly individuals who may be vulnerable to scams due to reliance on others for banking transactions [6] - The risks associated with bank-distributed financial products should not be overlooked, as there have been cases where customers faced difficulties accessing their funds due to unsuitable purchases [6] - Choosing to deposit in smaller banks for higher interest rates carries risks, as evidenced by cases of bank failures; diversifying deposits and avoiding exceeding the 500,000 yuan limit in a single bank are effective risk mitigation strategies [6] Group 3: Deposit Liquidity - Many individuals opt for long-term fixed deposits to achieve higher interest rates, but this can lead to poor liquidity, resulting in significant interest losses if funds need to be accessed early [7] - It is advisable to stagger deposit terms by dividing funds into different fixed deposit durations to balance yield with liquidity needs [9] - Overall, while enjoying the security of bank deposits, individuals should focus on appreciation, safety, and liquidity of their deposits, actively taking measures to prevent risks and ensure wealth preservation [9]