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手握100万,买房、黄金还是投资自己更划算
Sou Hu Cai Jing· 2025-10-07 18:59
"手握百万巨款,你打算如何安排这笔资金?是选择购置房产、囤积黄金,还是投入自我提升的教育赛道?"我呷了一口手中温热的咖啡,向对面的朋友抛出 了这个经典难题。他闻言长叹一声,面露难色:"这真是一个烫手的山芋啊。如今的银行利率低得可怜,把钱存进去,恐怕连通货膨胀的脚步都跟不上。"我 深以为然地点了点头:"此言极是。在低利率的泥淖中,把钱锁在银行,无异于让财富陷入沉睡,我们必须绞尽脑汁,寻求更有效的方式来稳固和增长我们 的资产。" 财富的"沉睡":银行存款的悖论 许多人面对大笔资金的第一本能反应,往往是回归银行体系。毕竟,那份稳如泰山的"安全感"是其他投资难以比拟的,本金损失的风险几乎为零。然而,现 实的残酷在于,当下的银行利率已跌至历史低位。即便是手握一百万,一年的利息收入也只够勉强支付几顿像样的晚餐。一旦计入通货膨胀的侵蚀,你会赫 然发现,账户上的数字看似纹丝未动,实则财富的实际购买力正在缓慢而坚定地"缩水"。想要真正守住财富的门槛,仅仅依赖银行的储蓄柜台,是远远不够 的。 黄金的抉择:避险的盾牌还是流动的泡沫? 稳健之道:构建多元化的财富防御矩阵 将所有鸡蛋放在一个篮子里,永远是理财的大忌。面对百万资金,最稳 ...
马云预言成真?2026年,手握存款的人,或将面临三大难题
Sou Hu Cai Jing· 2025-09-28 06:04
Group 1: Real Estate Market Trends - Since 2021, domestic housing prices have entered a long-term adjustment phase, with an average decline of over 30% nationwide as of 2023 [1][3] - Major cities like Shanghai and Shenzhen have joined the price adjustment trend, following declines in second and third-tier cities [1] - Some third and fourth-tier cities have seen prices drop to levels where homes can be purchased for tens of thousands or even hundreds of thousands [1] Group 2: Bank Deposit Rates and Economic Challenges - Starting in 2023, domestic deposit rates have entered a long-term adjustment phase, with one-year fixed deposit rates dropping from 2.25% to 1.35%, resulting in a decrease of 900 yuan in interest income for a 100,000 yuan deposit [3][6] - The decline in deposit rates poses significant challenges for elderly individuals and those relying on interest income, as their purchasing power diminishes [6] - The overall economic environment is characterized by slowing income growth and shrinking consumer demand, making it difficult for new entrepreneurs to succeed [8] Group 3: Investment Risks and Market Performance - Many individuals are turning to high-yield investment products like stocks and funds due to low deposit interest, but these come with high risks, with many funds experiencing losses of 20-30% in 2024 [10][12] - The majority of stock market participants are currently facing losses, with few managing to outperform inflation due to poor trading strategies [10] - There is a growing concern regarding the performance of bank wealth management products, particularly those rated R2 and below, which have also shown losses due to declining money market yields and rising bond market risks [12]
6家银行已经倒闭,存款取不出来?建议了解这5点,存款更放心
Sou Hu Cai Jing· 2025-09-27 10:14
在很多人看来,把钱存在银行里面是最放心的,虽然存款利率越来越低。但本金和利息还是有保障的。不过,银行也有破产倒闭的情况发生。之前就有海南 发展银行、河南肃宁县尚村信用社、汕头市商业银行、包商银行。近些年,国内又有太子河村镇银行、辽宁商业银行因各种原因,而宣布破产倒闭。 而面对部分银行出现的破产倒闭,有很多储户提出:"如果银行破产倒闭,储户的存款能否取出来?该如何存钱才能更加安全呢?"对此,我们建议储户应该 了解以下这5点内容,只有这样存款才能更放心。让我们一起来了解一下: 第一点,应了解存款保险制度 根据我国存款保险制度:只要这家银行参加了存款保险,储户存款+利息低于50万,如果遇到该银行倒闭,可以获得全额赔偿。之所以把上限设置在50万。 主要是这个额度可以覆盖国内99%的存款人。 需要说明的是,储户存款+利息超过50万的这部分,要等到接管的金融机构对破产银行的债权和债务进行清算之后,再按照一定比例进行偿付。所以,存款 +利息超过50万的这部分,还是有可能会遭受损失的。 如果储户想把钱存入某家银行,就应该先了解一下,该银行是否有存款保险标识。如果有就可以放心存入。资料显示,全国有4600多家银行,其中有400 ...
英银利率不变支撑英镑 但降息预期仍存
Jin Tou Wang· 2025-09-22 02:52
Group 1 - The Bank of England has decided to maintain the current interest rate level, reflecting its policy dilemma between a weak labor market and persistent inflation pressures [1] - Early initiation of a rate-cutting cycle could further elevate inflation expectations, while maintaining high rates for an extended period may suppress consumption and investment, increasing economic downturn risks [1] - For ordinary investors, this policy stance suggests that interest rates on savings products may remain stable in the short term, but mortgage rates will stay high, making repayment pressures difficult to alleviate [1] Group 2 - The GBP/USD exchange rate shifted from an upward trend to a downward trend, with the "Evening Star" pattern prompting a drop below 1.3500, increasing the likelihood of testing the convergence of the 100-day and 50-day moving averages around 1.3477/63 [2] - A daily closing price below this convergence would clear the path for testing the low of 1.3332 from September 3, while a closing price above 1.3600 could reinforce the rationale for challenging the annual peak of 1.3788 [2]
大规模的存款搬家,开始出现了?
大胡子说房· 2025-09-20 05:49
以下文章来源于大胡子财研社 ,作者湾区区长 大胡子财研社 . 独到的财经观点,深度的金融分析,助你抓住最新财富机会,实现资产稳步增长! 前几天,最新的社融数据出炉了,其中一个最值得大家留意的数据是存款数据。 最新8月份的数据显示: 8月份东大新增企业存 款2997亿元,同比少增503亿元; 新增的居民存款1100亿元,同比去年少增6000 亿 元。 而在此之前的 7月, 居民存款存量大概是 1.11万亿元 ,同比多减7800亿元。 在银行存款不断下跌、资金显著流出的同时,非银行业金融机构,比如券商、基金、保险公司这 些机构的存款,则在显著增长。 8月份, 非银存款增加了 1.18万亿元 ,同比多增5500亿元。 7月份非银机构的存款增加额更是高达 2.14万亿元 。 今年前8个月,非银存款累计新增达到了 5.87万亿元 ,创下了历史同期的新高。 大量存款离开银行存款,流向券商、基金这些机构,说明什么? 其中许多产品通过少量配置权益资产,吸引力远超传统存款和纯债产品 。 数据显示,截至2025年6月末,银行理财市场存续规模已经超过 30万亿元,说明现在有大量的存 款,是从银行流向了这些有稳定收益的理财产品,并非 ...
特朗普要300基点,美联储只给25!这一次,谁赢了?
Sou Hu Cai Jing· 2025-09-19 21:19
当华尔街的交易员们紧盯着闪烁的屏幕,期待着美联储降息带来的一波狂欢时,他们感受到的却是深深的困惑,而非预期的兴奋。 9月17日晚,靴子落地,美联储宣布降息25个基点,这本应是市场翘首以盼的利好消息,毕竟,市场已经为此苦等了整整9个月。然而,事与愿 违,股市仅仅是象征性地弹跳了一下,便迅速陷入了沉寂的观望状态。债券市场更是波澜不惊,该涨的没涨,该跌的也纹丝不动。 深入华尔街任何一家大型投行的交易大厅,你都会发现分析师们正眉头紧锁,激烈地探讨着同一个核心问题:这次降息的真正含义是什么?答案 远比表面看起来要复杂得多。 首先,25个基点的降息幅度未能满足市场的预期。考虑到近期疲软的就业数据,许多交易员原本大胆押注美联储会采取更激进的行动,一步到位 降息50个基点。然而,现实却给他们上了一课:央行在政策制定上,永远比你想象的更加保守。 其次,美联储内部的严重分歧加剧了市场的不安情绪。在12名委员中,竟然有人投了反对票,这在过去32年里堪称罕见。更令人惊讶的是,这位 名叫斯蒂芬·米兰的反对者,还是由特朗普亲自提名的"自己人",但他反对的理由并非降息幅度过大,而是认为降息力度还不够。这种内部裂痕释 放出一个危险的信号:就 ...
手里有50万,2025年是该买房还是存银行?王健林的说法一语道破
Sou Hu Cai Jing· 2025-09-19 17:19
Core Viewpoint - The discussion centers around whether to invest 500,000 in real estate or keep it in a bank by 2025, with a prevailing opinion suggesting that saving in a bank is the safer option due to potential declines in the real estate market [2][4][13]. Group 1: Real Estate Market Analysis - Wang Jianlin argues that the domestic real estate market has peaked after over 20 years of growth, indicating limited future appreciation and a higher likelihood of price declines [4][6]. - The average national housing price has seen a decline of over 30%, reinforcing the notion that investing in real estate may lead to significant losses [6][13]. - The current economic climate suggests that the real estate market is entering a downturn, making it a less favorable investment option [13]. Group 2: Financial Considerations - Keeping 500,000 in a bank ensures the safety of the principal amount, even though interest rates are low, while investing in real estate could lead to substantial value depreciation [6][13]. - Purchasing property typically requires taking on significant debt, which adds financial pressure, whereas saving in a bank avoids this burden and provides some interest income [9][13]. - The liquidity of bank savings is superior to that of real estate, allowing for easier access to funds in case of emergencies, which is crucial in a deflationary economic environment [11][13].
大规模的存款搬家,开始出现了?
大胡子说房· 2025-09-18 11:15
Core Viewpoint - The article highlights a significant shift in deposit trends, indicating a movement of funds from traditional bank deposits to non-bank financial institutions, driven by the rising interest in the capital market and a more rational approach to investment by residents and enterprises [2][9][10]. Summary by Sections Deposit Data - In August, new corporate deposits increased by 299.7 billion yuan, a year-on-year decrease of 50.3 billion yuan [3]. - New household deposits were 110 billion yuan, down 600 billion yuan compared to last year [3]. - In July, the stock of household deposits was approximately 1.11 trillion yuan, reflecting a year-on-year reduction of 780 billion yuan [4]. Non-Bank Financial Institutions - Non-bank financial institutions, such as brokerages, funds, and insurance companies, saw a significant increase in deposits, with an addition of 1.18 trillion yuan in August, a year-on-year increase of 550 billion yuan [6]. - In July, the increase in non-bank deposits was even higher at 2.14 trillion yuan [7]. - Cumulatively, non-bank deposits increased by 5.87 trillion yuan in the first eight months of the year, marking a historical high for the same period [8]. Fund Movement and Market Sentiment - The outflow of deposits from banks to non-bank institutions suggests a growing interest in the capital market, indicating a large-scale "deposit migration" [9]. - This migration is characterized by a more rational approach, with funds moving towards stable financial products rather than high-risk investments [12]. - Popular products include those with relatively fixed returns, which have attracted significant interest compared to traditional deposits [14]. Market Dynamics - The article notes that the current deposit migration is still in its early stages, with a substantial amount of funds yet to enter the market [16]. - The speed of deposit migration is closely linked to the performance of stock indices, with a notable increase in new account openings in August, reaching approximately 2.65 million, a 35.1% month-on-month increase and a 165% year-on-year increase [19][20]. - The article emphasizes that the attitude of the public towards the capital market is directly correlated with the market's performance [23]. Future Outlook - The potential acceleration of deposit migration will depend on the speed of index increases, with rapid gains likely to encourage more retail investors to enter the market [22][24]. - The article concludes that the current wave of deposit migration is expected to surpass previous instances, driven by a collective effort to restore asset prices and ensure widespread participation in market gains [26][28].
万亿存款,集体“大出逃”?钱去哪了?
Sou Hu Cai Jing· 2025-09-18 00:17
都说老百姓的存钱积极性越来越高,存款总量持续上升, 但没想到的是,最近银行账户里的钱正在悄悄"搬家",甚至有人说这是"存款大逃" 央妈数据显示,7月存款大幅减少,然而7月份的房子情况并不理想,销量环比骤降,企业老板们还在说赚钱难,打工人更是直言收入锐减, 这种情况不禁让人疑惑,钱呢? 01. 房子下跌 统计数据显示,7月无论新房还是二手房,房价都在持续下跌,70个大中城市房价,4个一线城市二手房价格环比下跌1%,加速下滑。 销量方面更是惨不冷赌,根据国家统计局公布的数据显示,7月单月,商品房销售面积只有0.57亿平方米,环比暴跌45.8%,相比6月几乎是"腰斩",已经 创下2009年以来同期最低。 不仅如此,2025年7月企业贷款还出现负增长情况。据高盛最新研究报告显示,7月信贷数据意外收缩,人民币贷款存量出现近20年首次单月负增长。 上证指数呢?已经从3400点下方一路攀升至3800点上方,创下近十年新高! 这一系列数据背后,究竟有什么内在逻辑关联?说白了,钱和人一样,哪里有利可图就往哪跑:居民存款和非银存款"一减一增",可能更多流向了股票市 场。 7月新增人民币贷款-50亿元,其中企业贷款-426亿,远低 ...
A股投资启示录(三十):如何衡量居民增量资金入市热度和潜力?
CMS· 2025-09-16 12:01
证券研究报告 | 策略专题报告 2025 年 9 月 16 日 如何衡量居民增量资金入市热度和潜力? ——A 股投资启示录(三十) 当前银行存款和理财产品收益率处于历史低位,而股票市场赚钱效应持续积累, A 股内在回报率持续提升,规模庞大的增量资金极有可能涌入股票和基金市场推 动 A 股迎来一轮大级别上行行情。基于此,我们构建了增量资金入市的潜力和热 度指标,目前来看潜力指标尚处于历史均值以下,热度指标处于均值+1 倍标准差 以下,距离历史高位仍有较大增长空间。当前融资余额持续增长、私募基金规模 持续攀升、个人投资者开户数活跃,成为当前增量资金入市的主要渠道。展望后 市,偏股公募基金有望继续接力,外资也有望继续净流入成为重要的增量资金来 源。参考前两轮牛市,估算潜在增量资金仍有 5.4 万亿元。 专题报告 相关报告 《重估 A 股的基本原理:权重 指数篇——A 股投资启示录 (二十九)》 《主力何在?增量资金属性 与市场主线风格——A 股投 资启示录(二十八)》 《静态投资框架十问——A 股投资启示录(二十七)》 《基于 FCF-ROE 和 DCF 定 价模型的策略框架——A 股 投资启示录(二十六)》 《定 ...