In today's society, there are many rich people, and more people have no money.

Most people's wages are not enough for living expenses, and some loan platforms such as credit cards and flower beds owe a lot of money. Every month, they live a life of robbing Peter to pay Paul. Life is tight, how can we save money?

The wealth management market is very competitive.

Many banks have low deposit interest rates and many requirements, which is very inconsistent with the original intention of depositors.

Some people took a fancy to this market and began to build a financial platform, which brought a lot of deposits to some local banks. Because they have high returns, low requirements and convenient deposit and withdrawal, they dare to promise that as long as it is a bank deposit, it will arrive within 500,000 100%!

At this point, the big banks will not agree with you. Although all the deposits are in banks, you will get different promises in different places, so you will naturally choose to make you feel at ease, right?

As a result, some big banks have less deposits, while some local banks have become hot potatoes.

Many people choose to invest.

Will money deposited in the bank become less and less valuable? This concept is basically a common cognition of modern people, because money will become less and less valuable with time and the market, and the speed at which you earn money will never keep up with its depreciation. So many people choose to invest, invest in other industries, invest in real estate and so on.

At this time, money is circulating in the market, not in the bank!

Of course, apart from these reasons, there is another possibility, that is, capital outflow.

With the improvement of China people's living standards, they will pursue what they think is better, buy imported products on a large scale, or go abroad to buy imported products and travel abroad on a large scale, resulting in a considerable amount of funds flowing into other countries' markets.

Broadly speaking, this is also one of the reasons why bank deposits are getting less and less.