Group 1 - The core viewpoint is that domestic residents are increasingly inclined to save money, with a record increase of 10.77 trillion yuan in deposits in the first half of 2025, driven by concerns over unemployment and future expenses [1] - The decline in deposit interest rates is a significant trend, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a decrease of 4,500 yuan in annual interest income for a deposit of 500,000 yuan [5] - The phenomenon of inverted deposit rates is observed, where the three-year deposit rate is higher than the five-year rate, indicating a shift in consumer preferences [8] Group 2 - The number of bank bankruptcies and dissolutions is increasing, with 105 banks approved for dissolution in 2024, raising concerns about the safety of deposits [10] - To mitigate risks associated with bank deposits, it is recommended to lock in interest rates by purchasing large-denomination certificates of deposit, which offer higher rates and transferability [11] - It is crucial for depositors to check if their bank has a "deposit insurance mark," as over 4,000 out of 4,600 banks in China participate in deposit insurance, ensuring full compensation for deposits up to 500,000 yuan in case of bank failure [14]