中国定期存款利率已进入1%时代1。2026年3月底新发生定期存款加权平均利率为1.31%，6月底进一步下降至1.28%1。2026年成为高息定存的集中到期年份。
预计今年到期的中长期存款规模约为40至60万亿元人民币1。当前中长期限存款产品收益率在1.70%至1.85%之间1，与四年前国有大银行3年期定存挂牌利率2.60%相比存在明显差距1。面对低收益环境，储户到期资金可能流向券商、保险、基金等机构，成为财富管理市场的重要变量。
不过银行业的续存表现仍保持稳定。中国建设银行副行长唐朔表示，上半年定存到期资金承接率在90%以上1；交通银行副行长周萬阜也指出，续存率保持在90%以上1。
面对低收益率环境，储户可考虑的低风险替代品包括储蓄国债、货币基金、现金管理类产品、低风险银行理财、债券基金和储蓄属性保险产品1。
China's fixed deposit interest rates have entered the 1% era, with 2026 emerging as a critical year for maturing high-yield savings.1 As of mid-2026, newly issued fixed deposits carried a weighted average interest rate of 1.31% in March, declining further to 1.28% by June.1 The scale of maturing medium and long-term deposits is expected to reach between 40 and 60 trillion yuan.1
Savers facing diminished returns on their expiring deposits confront a widening gap compared to previous years.1 Medium to long-term deposit products currently offer rates between 1.70% and 1.85%, a notable decline from the 2.60% posted rates offered by major state-owned banks for three-year fixed deposits four years ago.1 Despite these lower returns, banks have successfully retained a substantial portion of maturing funds.1 Construction Bank of China Vice President Tang Shuo reported that the reinvestment rate for maturing deposits exceeded 90% in the first half of 2026, while Bank of Communications Vice President Zhou Wanfu indicated that renewal rates have remained above 90%.1
Facing lower-yielding fixed deposits, depositors have alternative investment options to consider for their funds upon maturity.1 Low-risk alternatives include savings government bonds, money market funds, cash management products, low-risk bank wealth management products, bond funds, and insurance products with savings attributes.1
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