Farewell to the era of "lying down and earning" with interest rates of more than 3%, a group of depositors are experiencing a gap in returns.

In 2026, a large amount of medium and long-term fixed-term deposits will mature, and depositors who locked in interest rates of over 3% years ago will now have to face the reality of interest rates being nearly halved. With deposit rates continuing to decline, most banks' interest rates for various deposit terms have entered the "1 digit" range, with tight restrictions on large deposit amounts and a continuous reduction of long-term deposit products, depositors have no choice but to bid farewell to the era of earning high interest on deposits. Industry insiders say that the massive maturation of deposits not only prompts residents to adjust their fund allocations and switch risk preferences, shifting the focus from solely seeking guaranteed high returns to balancing security, returns, and liquidity, but also forces banks to accelerate the transformation of their wealth management businesses.