近些年，国内银行存款市场迎来大调整。存款利率一直呈现下降的趋势。以3年期存款利率为例，之前是3.25%，现在已经跌至1.75%，跌幅超过40%。如果 拿50万存入银行，之前到期存款利率是48750元，现在只有26250元，两者足足相差22500元。而受到银行存款利率下降影响最大的是手里有较多存款的中老 年群体，以及想靠存款利息收入生存的人群。 导致银行存款利率一直在下跌的原因有三个：①银行希望通过降息的方式，迫使储户把存款拿出来投资和消费，这样可以刺激经济的快速增长；②银行希望 通过降息，使贷款市场的利率也能同步下降。这样就可以降低企业和购房家庭的融资成本，以刺激贷款市场的回暖。③通过连续下调存款利率，可以扩大存 贷利差，这样既能提升银行业绩，又能增强银行抵御系统性风险的能力。 除此之外，中小银行破产和解散的数量也在增加。近些年，就有辽阳农商银行、辽宁太子河银行等中小银行宣布破产。此外，截至2025年12月底，年内通过 解散、合并或注销等方式退出的银行法人机构数量已达437家。主要是以村镇银行、农商银行为主。而导致中小银行破产解散的原因就是经营不善以及违规 经营。这意味着，储户把钱存入中小银行的风险在悄悄上升 ...

Core Insights - The article highlights the challenges faced by families with over 1 million yuan in savings as they navigate a changing financial landscape in China, particularly by 2025 [1][3]. Group 1: Declining Interest Rates - Starting in 2024, domestic banks are accelerating the decline of interest rates, with one-year fixed deposit rates dropping from 2.25% to 1.35%, resulting in a loss of 900 yuan in interest income for a 100,000 yuan deposit [5][6]. - The demographic most affected by declining interest rates includes middle-aged and elderly individuals who rely on interest income for their livelihood [6]. Group 2: Inflation and Purchasing Power - Current interest income is failing to keep pace with inflation, as essential goods have seen significant price increases, making it difficult for depositors to maintain their purchasing power [9]. - Families with over 1 million yuan in savings are experiencing a continuous decline in the purchasing power of their savings [9]. Group 3: Entrepreneurship Risks - Many individuals are considering using their savings to start businesses, but the probability of failure is high due to intense competition across various industries [11]. - The article notes that many entrepreneurs face significant financial losses, leading to a growing trend of "poverty through entrepreneurship" [11]. Group 4: Investment Risks - As interest rates decline, individuals are increasingly looking to invest in higher-yield options such as stocks and funds, but the associated risks are rising [13][14]. - The stock market is volatile, with many investors suffering substantial losses after entering the market at high points [13]. - Fund investments have also seen significant losses, with many funds reporting declines of 20-30% last year [14]. Group 5: Social Lending Dilemmas - Families with over 1 million yuan in savings frequently encounter requests for loans from friends and relatives, creating a dilemma about whether to lend money [16]. - Data indicates that 62% of such loans are not fully repaid, complicating personal relationships [16].

Core Insights - The enthusiasm for saving among Chinese residents is increasing, with a record surge of 10.77 trillion yuan in bank deposits in the first half of 2025, indicating a shift in saving behavior among younger generations [1] - There are notable changes in bank deposits, particularly for families with savings exceeding 500,000 yuan, which require attention starting from September [3] Changes in Bank Deposits - **Declining Deposit Rates**: Starting in 2024, deposit rates in China have entered a downward trend, with the 3-year deposit rate dropping from 3.05% to 1.55%. This results in a significant decrease in annual interest income from 15,250 yuan to 7,750 yuan for a 500,000 yuan deposit, a difference of 7,500 yuan [4][6] - **Inverted Deposit Rates**: Some banks are experiencing an inverted deposit rate situation, where the 3-year deposit rate (1.55%) is higher than the 5-year rate (1.3%). This is due to increased demand for 3-year fixed deposits, prompting banks to raise rates for that term [6] - **Increasing Bank Failures**: The number of bank failures is rising, with 105 banks approved for dissolution in 2024. Depositors with amounts exceeding 500,000 yuan may face potential losses, as only the first 500,000 yuan is fully insured under the deposit insurance regulations [6][9] Recommendations for Depositors - **Investing in Large Time Deposits**: Depositors are advised to consider purchasing 3-year large time deposits to lock in higher interest rates, as these typically offer better rates than regular fixed deposits and have transferability features [9] - **Checking Deposit Insurance**: It is crucial for depositors to ensure that their bank participates in deposit insurance, as this guarantees full compensation for deposits and interest up to 500,000 yuan [11] - **Diversifying Deposits**: To mitigate risks, depositors should avoid placing all their funds in one bank. Spreading deposits across 2-3 banks, with each bank holding no more than 500,000 yuan, can help ensure full compensation in case of bank failures [11] Investment Strategies for High Depositors - **Risk-Averse Investors**: For those with deposits over 500,000 yuan who are risk-averse, investing in large time deposits or government bonds is recommended [13] - **Aggressive Investors**: More aggressive investors can diversify their portfolios by allocating 40% to risk-free assets, 30% to low-risk investments like bank wealth management products, and 30% to mixed funds and dividend-paying bank stocks, balancing risk and potential returns [13]