---
title: "The deposit concentration maturity window has opened, and banks are strengthening AUM assessment to retain customers"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/273141359.md"
description: "With the opening of the high-interest deposit maturity window in October 2025, a concentrated redemption is expected in the first half of 2026. After some funds flow into three-year deposits, they will face downward pressure on deposit rates, with hundreds of trillions of yuan in funds choosing their direction. Surveys show that more than half of the funds may be transferred to pursue stability and safety, while the rest may flow into wealth management and capital markets. Banking institutions are adjusting their marketing strategies and assessment systems to retain customers"
datetime: "2026-01-20T22:37:19.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273141359.md)
  - [en](https://longbridge.com/en/news/273141359.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273141359.md)
---

> 支持的語言: [简体中文](https://longbridge.com/zh-CN/news/273141359.md) | [English](https://longbridge.com/en/news/273141359.md)


# The deposit concentration maturity window has opened, and banks are strengthening AUM assessment to retain customers

"After the fluctuations in the wealth management market in 2022, some funds have flowed into three-year deposit products. Starting from October 2025, this batch of high-interest deposits will gradually mature, and it is expected that a concentrated redemption will occur in the first half of 2026," said a person from the personal finance department of a city commercial bank in the southern region. The concentrated maturity window for high-interest deposits has already opened, and with deposit rates significantly declining, a sum estimated to reach several trillion yuan is hovering at a crossroads. Research by reporters has found that customers with different risk preferences will make differentiated choices, and it is expected that more than half of the funds will be transferred to continue pursuing stability and safety; the remaining funds may flow into wealth management and capital markets. To cope with the pressure of deposit diversion, banking institutions are making systematic adjustments from marketing strategies, product innovation to assessment systems, in order to retain customers in an environment of continuously declining interest rates. (China Securities Journal)

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