Economic Daily: Rational view of "deposit maturity peak"

In recent times, discussions about the "upcoming deposit maturity wave" have gradually increased in the market. According to media reports, some analytical institutions have conducted calculations on the size of deposits due to mature in 2026. Due to different statistical methods, there are certain discrepancies in the results calculated by various institutions, but overall, it is estimated that the size of resident deposits due to mature in 2026 may reach hundreds of billions of yuan. In the following steps, financial institutions can focus on two aspects: innovation of financial products and building a financial supermarket. Firstly, based on the core demand of depositors for long-term stable returns, financial institutions can prudently innovate "structured deposits" products. This type of product is a floating interest rate deposit, usually linked to derivatives, where the principal is invested in the deposit and the interest earned is invested in financial derivatives such as exchange rates, indexes, stocks, and the gold market. This product can meet the depositor's need for capital preservation while also moderately satisfying their pursuit of higher returns. Secondly, financial institutions can create a one-stop comprehensive service platform like a financial supermarket for depositors, eliminating the hassle of running across multiple platforms and allowing them to purchase various financial products that meet their integrated needs on the same platform. This allows depositors to enjoy customized asset allocation strategies tailored to their needs.