内蒙古土右旗蒙银村镇银行、昆都仑蒙银村镇银行等纷纷取消 5年期整存整取定期存款，部分民营银行的存款产品列表中也 不再显示3年或5年期定存产品。 作者：老盈盈 封图：图虫创意 近期，多家中小银行调整存款产品结构，内蒙古土右旗蒙银村镇银行、昆都仑蒙银村镇银行等纷纷 取消5年期整存整取定期存款，部分民营银行的存款产品列表中也不再显示3年或5年期定存产品。 尽管大多数银行仍在售5年期定存，但长期定存的收益吸引力持续下降。 苏商银行特约研究员薛洪言对经济观察报记者表示，此次调整背后，是银行业净息差收窄压力的体 现，中小银行尤为突出，因此减少长期限高成本存款、优化负债结构成为必然选择。 面对这一趋势，有投资者的资金配置开始向"稳健低波+高流动性"转型，货币基金、短期理财及红 利低波类产品受到投资者的青睐。 多家中小银行下架5年定存 11月初，内蒙古土右旗蒙银村镇银行通过官方微信公众号发布了关于调整该行存款利率的相关公 告。在公告中，该村镇银行表示，综合考虑同业机构的利率水平，自2025年11月5日起，对定期 人民币存款利率进行调整，取消5年期整存整取定期存款。土右旗蒙银村镇银行此前在售的5年期 定期存款原利率为1.90% ...

Core Insights - The article discusses the risks associated with holding large amounts of cash in the current economic environment, particularly due to inflation and opportunity costs [1][2][5] Group 1: Inflation Impact - Inflation acts as an invisible "tax" that erodes wealth, with the CPI rising by 2.6% in 2024 and 2.8% in Q1 2025, meaning that 100,000 yuan last year is only worth about 97,200 yuan this year [2] - Individuals like Wang, who have significant savings in low-interest bank accounts, are experiencing negative real interest rates, as their savings yield (2.2%) is lower than the inflation rate (2.8%) [2][3] Group 2: Opportunity Cost - Keeping funds idle in cash or low-yield savings means missing out on higher-return investment opportunities, with average returns on financial products at 3.5% and some stock funds exceeding 10% [2][3] - A case study of Zhang illustrates that a diversified investment strategy can yield significantly higher returns, with her assets growing from 500,000 yuan to approximately 680,000 yuan over five years [3] Group 3: Security Concerns - Holding cash poses risks such as theft, loss, or damage, with over 125,000 cash-related theft cases reported in 2024, involving over 2.5 billion yuan [4][6] - Personal anecdotes highlight the dangers of keeping cash at home, as natural disasters can lead to significant losses [4] Group 4: Recommendations for Wealth Management - The article suggests a diversified asset allocation strategy, recommending that individuals maintain 3-6 months of living expenses in cash, with the rest allocated to fixed income, equity, and other investments [8][12] - Increasing financial literacy is emphasized, as those with higher financial knowledge see an average asset growth rate 4.2 percentage points higher than those with lower financial literacy [9] - The importance of inflation-hedging tools is discussed, with options like index funds and inflation-protected bonds being recommended [11] - Regularly reviewing and adjusting financial plans is advised to ensure alignment with personal goals and market conditions [12]

Core Viewpoint - The company, Huakai Yibai, announced the use of up to 700 million RMB of idle self-owned funds for entrusted wealth management, including structured deposits, large certificates of deposit, and stable financial products issued by banks and other financial institutions [1] Group 1 - The total amount allocated for wealth management is capped at 700 million RMB [1] - The funding source for this investment is idle self-owned funds [1] - The decision was approved by the company's fourth board of directors at its thirteenth meeting and does not require shareholder approval [1] Group 2 - The authorization period for this investment is set for 12 months from the date of board approval [1] - The funds can be used in a rolling manner during the authorization period [1]

Core Insights - The traditional view of saving as a virtue is outdated due to inflation eroding savings value and declining bank interest rates, while costs for housing, education, and healthcare continue to rise [1][2] Financial Management as a Necessity - Financial management is essential for everyone, not just the wealthy, and involves planning the allocation of every penny rather than seeking quick wealth [3][4] Golden Rule of Fund Allocation - The 50/30/20 rule is a simple financial model for ordinary workers, emphasizing the importance of allocating funds rather than letting them stagnate [6][9] Account Structure for Effective Management - Establishing three accounts is recommended: 1. **Living Account** for daily expenses, ensuring budget control [8] 2. **Savings Account** for emergency funds, ideally covering 3-6 months of living expenses [10] 3. **Investment Account** for growth, allowing for various investment options based on risk tolerance [10] Importance of Money Flow - Wealth growth comes from the effective flow of money rather than merely saving; stagnant funds lose value due to inflation [10][11] Investing in Self - Prioritizing personal development and skills enhancement is crucial, as these investments yield higher long-term returns than short-term financial gains [12] Mindset Shift in Financial Management - Overcoming anxiety related to finances is essential; proactive management leads to a sense of control over one's financial future [13][15] Conclusion on Financial Freedom - Financial management is a continuous learning process that enables individuals to make informed choices, leading to wealth growth through consistent, small decisions [16]

Core Viewpoint - Kangguan Technology plans to use idle self-owned funds for cash management, with an investment amount not exceeding 8 billion yuan [1] Investment Purpose and Method - The purpose of this initiative is to ensure normal operations and fund safety while maximizing the utilization of idle funds to generate higher returns for the company and its shareholders [2] - The investment will be in safe, liquid, and stable financial products issued by banks, trusts, securities companies, or other financial institutions [2] - The source of funds will be from the company's and its subsidiaries' idle self-owned funds, without involving raised funds or bank credit, and the transaction parties will not have any related party relationships [2] Risk and Risk Control - Although the investment targets are stable financial products, the financial market is significantly influenced by macroeconomic factors, and actual returns may be unpredictable due to market fluctuations [3] - The company’s audit department will conduct daily supervision and regular audits of the use and custody of investment funds to mitigate operational risks [3] - The company will strictly adhere to relevant regulations and internal rules to prevent risks and ensure the safety and appreciation of funds while maintaining normal business operations [3]

Core Insights - The article discusses the practical implications of having ten million in savings, emphasizing that it can provide financial security and freedom, but also highlights the complexities and potential risks associated with managing such wealth [1][6]. Group 1: Financial Implications - A deposit of ten million at a 2.4% annual interest rate yields an annual income of 240,000, which can cover many middle-class living expenses [3]. - High living costs in major cities can lead to monthly expenses of 20,000 to 40,000, making ten million seem insufficient over time [5]. - Inflation can significantly erode the purchasing power of ten million, potentially halving its value in ten years if prices double [5]. Group 2: Wealth Management Strategies - Effective wealth management is crucial; options include investing 8 million in stable financial products and 2 million in index or bond funds to outpace inflation [5]. - Purchasing property in one's hometown can provide rental income and financial stability, while maintaining an emergency fund is essential [5]. Group 3: Psychological and Lifestyle Benefits - Having ten million provides a sense of security and freedom, allowing individuals to make lifestyle choices without financial stress [6]. - True financial freedom is characterized by the ability to handle life's challenges without being burdened by daily financial concerns [7]. Group 4: Misconceptions and Realities - The article cautions against the exaggerated notions of financial freedom, asserting that ten million is sufficient for many to transition from a state of forced labor to one of choice [9]. - Ten million is viewed as a new starting point for opportunities and challenges, emphasizing the importance of prudent financial planning [9].

Investment Overview - The company plans to use idle self-owned funds for entrusted wealth management, with an investment amount not exceeding 800 million RMB [1][2] - The investment aims to improve fund utilization efficiency and increase investment returns while ensuring fund safety and not affecting daily operational cash flow [1][5] Investment Details - The investment will be made in various financial products, including structured deposits, income certificates, trust products, government bonds, central bank bills, financial bonds, and other stable wealth management products issued by banks and financial institutions [2] - The investment period will not exceed the approved cash management limit [2] Approval Process - The proposal for using idle self-owned funds for entrusted wealth management was approved in the second meeting of the seventh board of directors and the second meeting of the seventh supervisory board held on June 24, 2025 [2][5] - The proposal is subject to approval by the shareholders' meeting [2] Risk Analysis and Control Measures - The main risks associated with entrusted wealth management include market volatility risk, liquidity risk, and fiscal policy risk, with actual returns being uncertain [3] - The company will take timely measures to control investment risks if any factors affecting fund safety are identified [3] Impact on the Company - The use of idle self-owned funds for entrusted wealth management is expected to generate investment returns for the company and its shareholders without affecting normal operations [5] - The supervisory board supports the decision, stating it will enhance fund utilization efficiency and increase investment returns for shareholders [5]

Core Viewpoint - The article emphasizes the strategic importance of elderly finance in addressing the challenges of an aging population, highlighting Suzhou Bank's innovative "Suxin Kangyang" elderly finance service brand aimed at enhancing the financial experience for senior clients and promoting high-quality development of the silver economy [1] Group 1: Financing Support for Elderly Industry - Suzhou Bank provides comprehensive financial solutions for various types of elderly enterprises, collaborating with government agencies, businesses, and medical institutions to develop new financial models for the elderly industry [2] - The bank strengthens partnerships with state-owned elderly enterprises, offering services such as asset preservation, bank financing, and merger financing solutions [2] - Increased credit supply for small and medium-sized elderly enterprises through long-term working capital loans and credit products tailored to the characteristics and growth potential of these businesses [2] Group 2: Enhancing Financial Services for the Elderly - Suzhou Bank focuses on improving service levels for the elderly, addressing their needs for care, enjoyment, and companionship [3] - The bank has renovated 29 branches to be elderly-friendly and established "Love Windows" to provide convenient services, equipped with tools like magnifying glasses and wheelchairs [3] - The "Happiness Club" was launched to create a community platform for members, offering various services and activities, with membership exceeding 3,800 by the end of 2024 [3] Group 3: Diverse Elderly Financial Products - Suzhou Bank has developed a "Wealth + Pension" system, issuing over 4.7 million social security cards and nearly 350,000 senior cards by the end of 2024 [4] - The bank offers personalized pension financial planning based on clients' age, risk tolerance, and retirement goals, providing tailored investment advice [4] - A range of financial products is available, including public pension funds and risk-adapted guaranteed products, to cater to different stages of retirement [4] Group 4: Building an Elderly Financial Service Ecosystem - Suzhou Bank integrates resources across industries to provide comprehensive services for the elderly, including cultural activities and home services [5] - The bank sponsors cultural events for the elderly, attracting over 15,000 participants in a recent talent competition [5] - The bank is advancing digital transformation in elderly finance, enhancing online services and creating a digital service ecosystem that connects various life scenarios [6]