近些年，国内居民存款热情在不断攀升。2025年上半年，中国居民银行存款暴增10.77万亿元，创下历史性新高！居民爱存钱的原因是为了应对子女教育、 房子装修、看病抓药、养老等未来潜在的费用支出。此外，现在股市、银行理财、公募基金等高收益品种的风险在上升，弄不好会亏掉本金，还不如把钱存 在银行里面，至少本金和利息是有保障的。 而对于当前存款市场的趋势，有业内人士提醒：下半年开始，持有定期存款的人，建议做好两手准备，一个是存款利率会越来越低，另一个是银行破产倒闭 风险在上升，很多人还未察觉。让我们一起来了分析一下： 准备一：存款利息收入越来越低 从2024年开始，国内银行业加快了降息的步伐。通常是国有银行率先下调存款利率，之后各家中小银行也纷纷跟着下调存款利率。现在各档存款利率已经创 下历史新低。以1年期定期存款为例，之前的利率是2.25%，现在已经跌到了1.35%。如果把10万元存入银行，每年利息收入就较过去减少了900元。 而导致存款利息收入越来越低的原因有三个：首先，银行希望通过下调存款利率，来迫使储户把钱从银行里面取出来，用于投资和消费，这样可以刺激经济 的快速增长。 再者，银行存款利率下调，贷款市场利率也 ...

Group 1 - The core viewpoint is that domestic residents are increasingly enthusiastic about saving, with household deposits rising by 10.77 trillion yuan in the first half of the year, averaging 1.79 trillion yuan per month [1] - The average increase in savings per person in the first half of the year is 7,992 yuan, driven by the need to prepare for unexpected events like unemployment and illness [1] - The current risks in the stock market, funds, and bank wealth management products have led many to prefer saving in banks to avoid investment risks [1] Group 2 - Industry experts predict significant changes in bank deposits by the second half of 2025, advising those with deposits over 500,000 yuan to prepare for declining deposit rates [3] - Deposit rates have been rapidly decreasing, with the three-year fixed deposit rate dropping from 3.05% to 1.55%, and further declines are expected [3][4] - The elderly population, who rely heavily on deposit income, will be significantly affected by the declining rates [3] Group 3 - The reasons for the continuous decline in deposit rates include the central bank's intention to encourage spending and investment, stimulate economic recovery, and improve banks' ability to withstand systemic financial risks [4] - For risk-averse investors, it is recommended to deposit money in joint-stock banks, which offer higher rates than state-owned banks while maintaining better safety than rural and commercial banks [6] - Aggressive investors are advised to diversify their asset allocation to minimize risks while maximizing returns [6] Group 4 - There is a growing concern about the risks associated with banks, particularly smaller banks like rural and commercial banks, which have seen instances of bankruptcy [10] - Recent bankruptcies include Liao Yang Rural Commercial Bank and Liaoning Tai Zi He Village Bank, with more small banks expected to fail due to poor management [10] - To mitigate risks, depositors should ensure their bank has deposit insurance, diversify their deposits across multiple banks, and keep individual bank deposits below 500,000 yuan to ensure full compensation in case of bank failure [10]