Why doesn’t everyone keep money in the bank now? The main reason is that bank interest rates are too low, and people feel that it is not cost-effective to save money in banks. With the launch of monetary fund products by Alipay and WeChat Financial Management in 2013, everyone's awareness of financial management has been widely enhanced. I hope to make money with the money I have. Therefore, more money is invested in real estate, stocks or funds to obtain more income.

Now most of the people depositing money in banks are elderly customers. They have relatively low requirements for money use flexibility and profitability, but relatively high requirements for money security.