Group 1 - Since March 2025, domestic residents have shown renewed enthusiasm for bank deposits due to some banks raising deposit interest rates, driven by the high risks associated with investment channels like stocks, funds, and bank wealth management products [1] - Many individuals are opting to store their funds in banks to safeguard their principal and interest against unexpected events such as unemployment and illness [1] Group 2 - Small banks, including village banks, rural commercial banks, and private banks, often offer deposit products with interest rates significantly higher than the market average to attract deposits, with some rates reaching 2.7% compared to 1.90% for state-owned banks [2] - The high interest rates offered by small banks come with substantial risks, as these banks may engage in high-risk investments to pursue greater profits, which could lead to a potential funding chain break if those investments fail [2] Group 3 - Structured deposits typically offer higher interest rates than regular deposits, with rates for structured deposits ranging from 2.25% to 2.5% compared to 1.65% for one-year deposits at joint-stock banks [7] - While structured deposits can yield higher expected returns, they also carry risks; if investments fail, interest may decrease or even become zero, although the principal is usually protected [7] - There are concerns about fraudulent practices where bank staff may mislead customers into purchasing financial products instead of genuine structured deposits, leading to significant losses for depositors [7]