2026年,中国10.5万亿美元定期存款到期,促使人们转向低风险资产,银行为留住储蓄者而提高利率。 In 2026, $10.5 trillion in Chinese time deposits mature, prompting shifts to low-risk assets and rate hikes by banks to retain savers.

2026年,中国家庭定期存款约75万亿元,包括期限一年或一年以上的67万亿元,将成熟,考验投资者的风险胃口。 In 2026, about 75 trillion yuan in Chinese household time deposits, including 67 trillion yuan with maturities of one year or longer, will mature, testing investor risk appetite. 预计大多数储蓄者将把资金转移到低风险资产,如银行财富管理产品、货币市场基金和固定收入工具,到2025年底,这些资产主导了市场,其中低风险评级超过95%。 Most savers are expected to shift funds into low-risk assets like bank wealth management products, money market funds, and fixed-income instruments, which dominated the market by late 2025 with over 95% rated moderate-to-low risk. 一些高风险资本可能流入股票或关联产品,支持市场流动性和复苏。 Some higher-risk capital may flow into equities or linked products, supporting market liquidity and recovery. 为了在竞争中保留存款,特别是小银行提高了大型倾销光盘和长期存款的利率,自2026年初以来发布了600多份此类公告,主要是为了吸引当地客户。 To retain deposits amid competition, especially smaller banks have raised rates on large-denomination CDs and long-term deposits, issuing over 600 such announcements since early 2026, primarily to attract local customers.