Farewell to the era of "lying down to profit" with over 3% interest rates, a group of depositors are experiencing a decline in returns.

In 2026, a large amount of medium to long-term fixed deposits will mature, and depositors who locked in interest rates of over 3% many years ago will have to face the reality of interest rates nearly halved. With deposit interest rates continuously decreasing, the interest rates of most bank deposits have entered the "1% range", large deposit amounts are tightening, and long-term deposit products are continuously shrinking, forcing depositors to bid farewell to the era of earning high interest on deposits. Industry insiders say that the large amount of deposits maturing will not only drive residents to adjust their asset allocation, switch risk preferences, and shift from a focus on chasing guaranteed high returns to a holistic balance of safety, returns, and liquidity, but also force banks to accelerate the transformation of their wealth management business.