China Securities News reports that according to several brokerage firm estimates, medium- to long-term time deposits will expire about 50 trillion yuan in 2026. Against the backdrop of continuing to decline in interest rates and shortening the term of deposit products, this huge flow of capital has attracted market attention. An account manager at an agricultural bank branch in Beijing's Daxing district said that the number of depositor customers has not decreased significantly due to interest rate cuts, and many customers are still snapping up large deposit slips; they want to lock in current interest rates. Currently, there is no situation where customers switch to purchasing wealth management products on a large scale after time deposits expire.

China Securities News reports that according to several brokerage firm estimates, medium- to long-term time deposits will expire about 50 trillion yuan in 2026. Against the backdrop of continuing to decline in interest rates and shortening the term of deposit products, this huge flow of capital has attracted market attention. An account manager at an agricultural bank branch in Beijing's Daxing district said that the number of depositor customers has not decreased significantly due to interest rate cuts, and many customers are still snapping up large deposit slips; they want to lock in current interest rates. Currently, there is no situation where customers switch to purchasing wealth management products on a large scale after time deposits expire.