2026年已经到来。回顾2025年，国内居民存款热情越来越高涨。数据显示：1-11月居民存款增加12.06万元。过去中老年人群体是存钱的主力军。而如今， 有越来越多的年轻人也加入到存钱队伍中来。老百姓爱存钱的原因，就是为了应对未来可能发生的失业、疾病等突发事件，以及子女教育、购买大件商品、 养老等未来将会发生的费用支出。 面对银行各档存款利率都已经进入到"1时代"，很多储户都想把钱拿出来投资股票、基金、银行理财产品，甚至还有人把存款拿去创业。但是，所面对的投 资风险却是非常大的，大多数人理财和创业的结果就是亏掉本金。主要原因是当前大环境不好，盲目理财或创业大概率是要亏钱的。所以，在进入到2026年 之后，很多储户陷入到存款利率太低，理财和创业风险又在上升，不知该如何投资的困惑。 第四，中小银行倒闭的数量还在增加 在进入到2023年之后，国内存款利率在快速下跌。以1年期的大额存单为例，过去利率是2.25%，现在存款利率只有1.4%。如果你把50万存入银行，到期存 款利息收入只有7000元，较过去减少了4250元。而受到存款利率收入大幅减少影响最大的是中老年人群体，以及靠存款利息收入生活的群体。导致银行存款 利率 ...

Group 1 - Since March 2025, domestic residents have shown renewed enthusiasm for bank deposits due to some banks raising deposit interest rates, driven by the high risks associated with investment channels like stocks, funds, and bank wealth management products [1] - Many individuals are opting to store their funds in banks to safeguard their principal and interest against unexpected events such as unemployment and illness [1] Group 2 - Small banks, including village banks, rural commercial banks, and private banks, often offer deposit products with interest rates significantly higher than the market average to attract deposits, with some rates reaching 2.7% compared to 1.90% for state-owned banks [2] - The high interest rates offered by small banks come with substantial risks, as these banks may engage in high-risk investments to pursue greater profits, which could lead to a potential funding chain break if those investments fail [2] Group 3 - Structured deposits typically offer higher interest rates than regular deposits, with rates for structured deposits ranging from 2.25% to 2.5% compared to 1.65% for one-year deposits at joint-stock banks [7] - While structured deposits can yield higher expected returns, they also carry risks; if investments fail, interest may decrease or even become zero, although the principal is usually protected [7] - There are concerns about fraudulent practices where bank staff may mislead customers into purchasing financial products instead of genuine structured deposits, leading to significant losses for depositors [7]