科伦博泰生物-B(06990)发布公告，内容有关据中国银行结构性存款协议II认购本金额为人民币9.8亿元 的中国银行结构性存款II。公司已于2026年1月7日终止该认购。由于此终止是在中国银行结构性存款协 议II规定的投资冷静期内执行，本司无需就该认购支付任何款项，且不会因本次终止而产生任何其他费 用或罚款。终止该认购乃经公司进一步考量后，对其理财策略作出调整所致。 ...

Group 1 - The "golden era" of money market funds has ended, with over 100 funds having a 7-day annualized yield below 1% [1] - The primary reasons for this decline are abundant market liquidity and continuously falling interest rates [1] - Short-term spikes in yields are often temporary, resulting from profit-taking or large redemptions, and are not sustainable [1] Group 2 - A strategic adjustment is necessary, with money market funds being redefined as a tool for managing daily cash and emergency funds rather than a primary means of wealth accumulation [3] - For short-term funds (3-6 months), investors are advised to consider interbank certificate index funds or short-term bond funds, which carry slightly higher risks but also greater potential returns [4] - A comprehensive investment portfolio should be planned for long-term idle funds to adapt to the changing financial environment [4]

Core Viewpoint - The continuous decline in RMB deposit rates is forcing savers to adjust their investment strategies, seeking new avenues for income growth, while some private banks are raising deposit rates to attract customers [1][3][7]. Group 1: Changes in Deposit Rates - The RMB deposit rates have been consistently decreasing, impacting savers who traditionally relied on fixed deposits for income [3][4]. - Some private banks, like Yilian Bank, have raised their one-year fixed deposit rates to 2.00%, contrasting with the overall downward trend in deposit rates across major banks [4][8]. - As of May 22, 20 commercial banks have lowered their RMB deposit rates, indicating a widespread trend in the banking sector [8]. Group 2: Shift in Savings Behavior - There is a notable shift of household deposits from banks to non-bank financial institutions, with a decrease of 1.39 trillion yuan in household deposits in April, while non-bank deposits increased by 1.57 trillion yuan [1][7]. - Savers are increasingly exploring alternative investment products, with some finding higher returns in USD deposit products offered by various banks [5][9]. Group 3: USD Deposit Products - Several banks are promoting high-interest USD deposit products, with rates reaching up to 4.2% for six-month deposits, but these often come with conditions [5][9]. - The overall trend for USD deposit rates is also downward, with significant declines observed since the end of 2023 [8][10]. - There are concerns regarding the exchange rate risks associated with USD deposits, as the USD has shown volatility against the RMB [9][10].