超50万亿定期存款将到期，谁将承接这"泼天的财富"?券商自然不会放过任何一次增收机会。在行业近 期密集召开年度经营部署会期间，智通财经就了解到，不少券商财富管理条线就谈到了2026年如何应对 存款到期潮带来的机遇，目前券商在加速推出应对方案。 "我们今年开经营会的时候就讨论了这个，要怎么能获得一些增量的收入。"一位分管财富管理业务的券 商副总裁在受访时提到。不少券商更是表示2025年就预判大量到期资金在利率下行背景下将引发一场大 规模的"存款搬家"，所以一进入2026年就着手搭建应对方案了。 市场机构较多预测居民定期存款规模将达到50万亿元以上，且存在重新配置需求，这一部分或将流到黄 金、基金、股市、保险等。这一迁移体量下，券商有共识，打法却又不一样。综合智通财经调研的情 况，让行业在承接50万亿定存到期资金时，形成了多元化、专业化的服务体系。 其中包括以固收 + 为核心构建分层级、全场景的稳健型产品矩阵，搭配类存款替代工具与创新品类精 准适配不同资金配置需求；联动银行、保险等多机构构建大财富生态，部分券商聚焦核心区域深耕细分 客群打造差异化竞争优势等。 打法一：固收+成核心承接抓手 固收+成为核心承接抓手， ...

Core Viewpoint - The article emphasizes the importance of the financial "Five Major Articles" in supporting national strategies and high-quality economic development, highlighting the commitment of the securities industry to implement these directives effectively [1][2]. Group 1: Implementation of Financial "Five Major Articles" - The securities industry is urged to enhance its service to the real economy by aligning with national policies and improving capital market efficiency [1][2]. - West Securities is committed to integrating the spirit of the National Two Sessions into its development processes, aiming for a strong start in the "14th Five-Year Plan" and achieving the goals of the "15th Five-Year Plan" [1][2]. Group 2: High-Quality Development and Financial Services - The company stresses the necessity of adhering to the Party's leadership in financial work and aims to deepen structural reforms in financial supply to improve service quality in key areas [2]. - West Securities is actively fostering new productive forces to stimulate robust high-quality development [2]. Group 3: Technology and Green Finance - The company positions technology finance as a core driver of high-quality development, facilitating the connection between technology enterprises and capital markets [3]. - West Securities has successfully underwritten 11 technology innovation bonds in 2024, raising a total of 9.05 billion yuan, thereby supporting the growth of new productive forces [3]. Group 4: Green Finance Initiatives - The company is focused on green finance product innovation, supporting various environmental projects through bond issuances and partnerships [4]. - West Securities is enhancing its green finance offerings, including green bonds and low-carbon transition bonds, to promote sustainable development [4]. Group 5: Digital Transformation - The company is advancing its digital transformation by leveraging technology to optimize business processes and enhance service efficiency [5]. - West Securities is implementing a unified risk management platform and developing intelligent decision-making systems to improve operational efficiency [5]. Group 6: Inclusive Financial Services - The company is committed to inclusive finance, focusing on providing accessible financial services to meet the asset management needs of residents [6]. - West Securities is developing a range of financial products aimed at elderly clients, enhancing their investment experience and protecting their rights [7]. Group 7: Strategic Goals - West Securities aims to become a leading comprehensive investment bank by focusing on the real economy and enhancing its service quality across various financial sectors [7].