美联储：美国上周银行存款18.535万亿美元，之前一周18.619万亿美元。 ...

美联储：美国上周银行存款18.619万亿美元，之前一周18.542万亿美元。 ...

据美联储，美国上周银行存款18.519万亿美元，之前一周18.484万亿美元。 ...

美联储：美国上周银行存款18.519万亿美元，之前一周18.484万亿美元。 来源：滚动播报 ...

每经AI快讯，12月13日，美联储数据显示，美国上周银行存款18.479万亿美元，之前一周18.528万亿美 元。 每日经济新闻 ...

美联储：美国上周银行存款18.479万亿美元，之前一周18.528万亿美元。 ...

美联储：美国上周银行存款18.526万亿美元，之前一周18.428万亿美元。 ...

Core Insights - The Federal Reserve reported that U.S. bank deposits totaled $18.432 trillion last week, a decrease from the previous week's total of $18.505 trillion [1] Group 1 - U.S. bank deposits decreased by $0.073 trillion week-over-week [1]

Core Insights - The continuous decline in bank deposit interest rates in China has led to a significant increase in residents' savings, with new deposits reaching 11.09 trillion yuan from January to July this year [1][3] Group 1: Deposit Trends - The three-year deposit interest rate has fallen below 3%, marking the beginning of a "two-digit" era for domestic bank deposits [1] - Despite low interest rates, the demand for savings remains strong as residents view savings as a crucial buffer against uncertainties such as unemployment and unexpected medical expenses [3] Group 2: Investment Strategies - Residents are advised to pay attention to liquidity when choosing deposit terms, as locking funds in long-term deposits can lead to significant interest losses if early withdrawal is necessary [5] - A suggested strategy is to divide savings into three parts, investing in one-year, two-year, and three-year fixed deposits to ensure annual liquidity while maximizing interest [5] Group 3: Risk Management - It is recommended that depositors avoid concentrating all funds in a single bank, especially smaller banks that may offer higher rates but carry bankruptcy risks [7] - Depositors should diversify their savings across multiple banks, ensuring that no single bank holds more than 500,000 yuan to protect against potential losses [7] Group 4: Awareness of Financial Products - Caution is advised against purchasing high-risk financial products that may be misrepresented as innovative deposit options by bank staff [9] - Depositors should personally verify the nature of the products they are purchasing to avoid misunderstandings and potential financial losses [9] Group 5: Maximizing Returns - In addition to the above strategies, depositors should actively seek out opportunities for higher returns through large-denomination certificates of deposit or government bonds, which typically offer better rates than standard fixed deposits [10]

Core Insights - The Federal Reserve reported that U.S. bank deposits totaled $18.393 trillion last week, a decrease from the previous week's total of $18.426 trillion [1] Group 1 - U.S. bank deposits decreased by $33 billion week-over-week [1]