Deposit concentration period opens, banks offer various services.

After the fluctuations in the financial market in 2022, some funds flowed into three-year deposit products. Starting from October 2025, these high-interest deposits will mature one after another, and it is expected that there will be a concentrated repayment in the first half of 2026," said a personal finance department staff member at a commercial bank in a southern region. The window for the concentrated maturity of high-interest deposits has opened, combined with a significant decline in deposit interest rates, an estimated scale of hundreds of billions of yuan is hovering at a crossroads. According to research by reporters, customers with different risk preferences will make different choices, with over half of the funds expected to be transferred for continued pursuit of stability and security; the remaining funds may flow into wealth management and capital markets. In order to cope with the pressure of deposit outflow, banking institutions are making systematic adjustments from marketing strategies, product innovation to assessment systems, in order to retain customers in an environment of continuously declining interest rates.