数据显示，5月份，人民币个人存款中定期存款、大额存单和协议存款分别增加309亿元、102亿元和8亿 元，同比分别少增245亿元、3亿元和4亿元；通知存款减少149亿元，同比少减596亿元；活期存款和结 构性存款分别减少167亿元和23亿元，同比分别多减415亿元和1亿元。 ...

Core Viewpoint - The article discusses the changing savings behavior of young people in China, particularly in the context of low interest rates and the search for better investment alternatives. It highlights a shift towards increased savings and a preference for low to medium-risk investments among younger generations [4][5][35]. Group 1: Savings Trends - In a recent survey, approximately 30% of respondents reported savings exceeding 500,000 yuan, with 12.3% of the post-2000 generation having savings over 300,000 yuan [6][8]. - The median savings amount reported in the survey is between 200,000 to 300,000 yuan, with the post-1985 generation showing the highest proportion of savings over 300,000 yuan [12][10]. - The survey indicates that 38.8% of respondents save more than half of their monthly salary, with a significant portion of the younger generation planning to increase their savings rate in the future [19][21]. Group 2: Investment Preferences - Respondents showed a preference for bank deposits, money market funds, and bonds, with younger individuals favoring more liquid options like money market funds due to their accessibility and slightly higher returns [14][27]. - Higher income individuals tend to diversify their investments more, with those earning over 500,000 yuan selecting an average of 3.6 investment options compared to 2.6 for those earning under 100,000 yuan [17][25]. - The article notes a trend where younger generations are more inclined to increase low to medium-risk investments, while older generations are more likely to reduce consumption, particularly in discretionary spending [25][35]. Group 3: Economic Context - The article references macroeconomic data showing that household savings in China increased by 8.3 trillion yuan in the first five months of the year, with a record high of 74.29% of household deposits being time deposits [22][27]. - The current interest rates for one-year fixed deposits have dropped to 0.95%, prompting individuals to seek higher returns through alternative savings and investment methods [30][27]. - The article suggests that the cautious approach to savings and investments among young people is influenced by their experiences and expectations shaped by economic conditions [36][37].

活期存款： 利率被大幅削减。四大行已统一将活期存款利率降至0.05%，相较于2024年的水平，直接腰 斩50%。这意味着，如果将一万元人民币存入活期账户，一年的利息收入仅为区区5元，创造了历史新 低，也基本宣告了活期存款的"零收益"时代。 中国银行业利率改革再下一城：四大行官宣2025年存款利率调整，低利率时代正式来临 历经2024年三次降息的铺垫，中国银行业再次迎来利率改革的重要时刻。2025年7月1日起，中国工商银 行、中国农业银行、中国银行、中国建设银行四大国有商业银行同步发布公告，宣布正式调整人民币存 款利率。这意味着，在经历了数轮调整后，中国存款市场正式宣告进入"低利率常态化"时代。曾经依赖 存款利息实现财富增值的时代，正在渐行渐远。 利率调整全景扫描：结构性分化日益凸显 本次四大行的利率调整，并非"一刀切"式的全面下调，而是呈现出显著的结构性分化特征，具体表现 为"活期利率触底，中长期利率加速下行"。这种差异化的调整策略，也反映出银行在应对市场变化时的 精细化操作思路。 让我们以一万元人民币为例，更直观地感受此次调整带来的影响： 定期存款： 短期（一年期）利率的调整则相对缓和，但依然呈现出下行趋势 ...

在这个快节奏、压力山大的社会里，谁不想有一天能彻底告别为生计奔波的日子，光靠利息就能过得舒舒服服呢？可问题是，到底得存多少钱，才能实现这 个梦想呢？内行人给出了答案，咱们一起来瞧瞧。 说到理财，银行存款可是个保守又稳妥的选择。它风险低，操作也简单，所以一直受到不少投资者的喜爱。不过，银行存款利率跟其他理财方式比起来，普 遍要低一些。这就意味着，要是想靠银行存款利息过日子，那可得存上一大笔钱才行。 那靠存款利息生活，到底得在银行存多少本金呢？这个问题其实没有固定答案，因为每个人的情况都不一样。生活地区不同，消费观念不同，生活需求也不 同，所以每个月需要的存款利息自然也就不一样。 还有大额存单呢，现在各大银行基本都有发行。大额存单的利率普遍比普通定期存款高，能给到2.8%左右。这样算下来，存140万元左右，每年就能拿到 39218元利息。 不过咱们可以根据一些数据来估算一下。去年，我国居民人均可支配收入是39218元，人均消费支出是26796元。要是想维持基本生活，年收入差不多得达到 这个水平。那咱们就以年收入39218元为例，算算得在银行存多少钱才能拿到这么多利息。 先说说活期存款吧。活期存款的好处是随时能取， ...

Industry Investment Rating - The industry investment rating is maintained at "Outperform" [1] Core Insights - The report discusses the impact of deposit rate adjustments on banks, indicating that the adjustments have a limited impact on financial outflows [4][7] - The establishment of a market-oriented deposit rate adjustment mechanism aims to align deposit rates with market rates, thereby reducing banks' funding costs and facilitating lower loan rates [14][17] - The report highlights a significant shift in deposit structures due to regulatory changes, with a notable migration of deposits from large banks to smaller banks and non-bank financial institutions [6][37] Summary by Sections 1. Reasons for Deposit Rate Adjustments - The adjustments are aimed at promoting interest rate marketization and improving policy transmission, breaking the rigid link between deposit rates and benchmark rates [4][14] - The adjustments are expected to lower banks' funding costs, which constitute over 70% of their liabilities, thereby creating room for loan rate reductions [17][18] 2. Review of Past Adjustments - Historical adjustments include the reduction of structured deposits from CNY 15.4 trillion to zero between 2019 and 2020, and the optimization of deposit rate ceilings in June 2021 [5][22] - The establishment of a market-oriented adjustment mechanism in April 2022 has led to multiple rounds of deposit rate reductions, with long-term deposit rates decreasing more than short-term rates [23][24] 3. Market Impact Review - The report notes that during the initial adjustment phases, there was a significant outflow of structured deposits to wealth management and insurance products [6][37] - The adjustments have generally resulted in a shift of deposits from large banks to smaller banks, as well as a migration towards wealth management and insurance products [6][37] 4. Future Outlook and Investment Recommendations - The report anticipates a significant volume of maturing fixed-term deposits in the third quarter, with potential outflows to non-bank institutions [7] - It suggests focusing on banks that may benefit from reduced funding costs and improved net interest margins, highlighting specific banks such as Bank of Communications and Chongqing Bank as potential investment targets [7]

如果从住户存款结构拆解，可以发现今年住户存款定期化趋势在加强。 券商中国记者据央行近日披露的最新住户存款规模数据测算，截至今年5月末，我国住户存款规模为160.64万 亿元，较年初增长8.39万亿元：其中定期存款不断创出新高，而活期存款持续减少。 具体来看：定期存款（含其他存款）规模已达119.34万亿元，较年初增长8.9万亿元；而活期存款则在接近 于"零利率"（多家大中型银行的活期存款利率已跌至0.05%）的部分作用下，较年初减少约5137亿元。 截至5月末，住户定期存款占比已达74.29%，创出近年来新高。在"存款定期化"加深趋势凸显的现下，银行优 化负债成本紧迫性也在凸显。 "存款定期化"趋势凸显 住户存款定期化加强的趋势，不仅体现在今年以来逐月上升的定期存款余额上，也体现在创出新高的定期存款 占比上。 券商中国记者查阅央行金融机构本外币信贷收支表的最新数据，发现今年前五月，住户存款项下的定期（含其 他）存款余额逐月上升，分别为113.9万亿、116.42万亿、118.45万亿、118.78万亿、119.34万亿。 再来看住户部门定期存款的占比，其除了在三月环比下降外，其余四个月均环比上升，并在今年5月 ...

家人们，可别觉得退休之后就能舒舒服服"躺平"啦！虽说养老金每个月都能按时到账，可物价那也是蹭蹭往上涨，生活里的各项开支一点儿都没少。对于手 里有定期存款的中老年朋友来说，下半年要是想守好自己的"养老本"，光知道存钱可不够，还得学会下面这几招。提前把这些事儿安排好，既能避开各种 坑，还能让咱们的晚年生活过得更稳当、更有质量！ 先说说存款的事儿。好多人习惯把所有的积蓄都一股脑儿地放在一个银行、一个账户里，觉得这样省事儿。可大家仔细想想，万一银行系统出了故障，或者 账户被冻结了，再或者个人信息泄露了，那咱们的全部资产可就都"卡壳"了！ 所以咱们得把存款"分着来"。别光盯着利息高的银行，可以多选几家银行存钱。一部分钱存定期，一部分钱放活期，再搭配点低风险的理财产品。存款产品 也得多元化，定存、货币基金、智能存款都来点儿，这样搭配起来，风险分散了，资金更安全，要用钱的时候也方便。 再说说紧急备用金的事儿。定期存款利息是高，可灵活性太差了。万一哪天突然出了意外，急需用钱，结果钱都被"锁"在定期里了，提前支取还得损失利 息，那可就太不划算了。咱们得留出3到6个月的生活费，放在活期或者货币基金账户里，随取随用。 剩下的钱可以 ...

Core Viewpoint - The recent trend of lowering deposit interest rates among banks, particularly small and medium-sized banks, is a response to the earlier rate cuts by major state-owned and joint-stock banks, aimed at stabilizing funding costs for banks [1][5]. Group 1: Deposit Rate Adjustments - Many rural commercial banks and village banks have announced reductions in deposit interest rates, following the lead of larger banks [1][3]. - For example, Qionghai Xingfu Village Bank adjusted its interest rates on various deposit products, with the current account rate dropping from 0.1% to 0.05%, and fixed-term rates for one to five years also reduced [3][5]. - A number of other banks, including Chaoyang Rural Commercial Bank and Xuwen Rural Commercial Bank, have also lowered their deposit rates in early June [3]. Group 2: Impact on Banking Sector - The reduction in deposit rates is seen as a necessary step to alleviate the pressure on net interest margins faced by banks [5]. - As of the first quarter of 2025, net interest margins for different types of banks have decreased, with state-owned banks at 1.33%, joint-stock banks at 1.56%, city commercial banks at 1.37%, and rural commercial banks at 1.58%, all showing declines compared to the end of 2024 [5]. - Lowering deposit rates can help banks reduce interest expenses, mitigate the trend of long-term deposits, stabilize funding costs, and improve profitability, thereby enhancing the sustainability of financial services to the real economy [5].

6月银行考核时间节点逼近，近日部分银行推出揽存新招引发市场和监管关注。 6月9日，华东地区有银行人士向财联社证实， 华东某地监管部门近日要求银行机构不得通过 包括赠送实物等多种变通方式进行揽储。 6月9日，某城商行零售部门人士对财联社表示，各家银行揽存的强度取决于对存款的需求程 度，不同机构不同时间节点，力度不一。比如，近期存款利率有新一轮下调，肯定会影响部分 银行的存款规模。同时，临近6月末，业务活跃度较高，同时考核节点叠加，部分银行可能借 此机会加强营销力度。 财联社记者注意到，5月以来，平安银行多家分行推出办理储蓄卡或信用卡"存款送LABUBU 盲盒"的活动，由于LABUBU价值不低且难以抢购，一度网络引发热议。 揽存只是其一，新增客户或是主因 利息下调存款搬家，银行僧多粥少 5月下旬以来，六大国有银行集体宣布下调存款利率，一年期定存利率更是跌破1%，活期利 率仅0.05%。带动惯以"高息吸储"的中小银行紧随大行降息步伐，多数最高定存利率降至 1.7%以下。 利息下调引发连锁反应，出现"存款搬家"的情况。截至5月20日，固收类产品突破23万亿 元，现金管理类产品突破7万亿元，较3月底增幅均将近8%。 某 ...

上海银行间同业拆放利率（5月26日） 银行间质押式回购市场方面，隔夜品种走低，7D、14D品种上涨，R007和R014倒挂。具体看，DR001、R001加权平均利率分别下行 5.4BP、6.3BP，报1.5113%、1.5489%，成交额分别增加167亿元、948亿元；DR007、R007加权平均利率分别上行6.9BP、6.9BP，报 1.6545%、1.696%，成交额分别增加104亿元、1059亿元；DR014、R014加权平均利率分别上行2.3BP、1.1BP，报1.6892%、1.6871%，成 交额分别增加162亿元、470亿元。 货币市场利率（5月26日） 来源：全国银行间同业拆借中心 新华财经北京5月26日电（高二山）人民银行26日开展3820亿元7天逆回购操作，操作利率为1.40%，与此前持平；鉴于当日有1545亿元7 期逆回购到期，公开市场实现净投放2275亿元。 上海银行间同业拆放利率（Shibor）隔夜品种走低，7天品种小幅上行，两者结束倒挂。具体来看，隔夜Shibor下跌5.90BP，报 1.5060%；7天Shibor上涨2.70BP，报1.5790%；14天Shibor上下跌0.3 ...