银行利率继续崩溃，居民的存款正在以前所未有的利率，股票市场和市场资金的价格离开其银行帐户。最新的财务数据表明，今年7月，居民的存款减少了11.1万亿元，每年减少7800亿元人民币。尽管非银行金融机构的存款增加了2.14万亿元，但每年增加1.39万亿元。在过去十年中，这种现象被称为“存款移动”，在同一时期达到了最大规模。这些资金通过银行安全转让，基金购买等8.14％从低收获银行存款转移到资本市场。上海流动量和深圳股市分别超过15.6万亿元和21.4万亿元，这是今年的新高。市场的资金和条件相互促进以产生积极的周期。在货币供应方面，7月的M2增长率在8点弹跳.8%, exceeding market expectations; The M1 growth rate increased to 5.6%, improving three consecutive months. The scissors gap between the M1 and MBNB2 is narrow at -3.2%, indicating that the level of capital activation of the capital is increased. Businesses and residents are more inclined to convert fixed deposits to current deposits for investment or consumption. Continued decline in deposit interest rates is the main factor in driving capital. Large state-owned banks lower the interest rate of the RMB deposit seven times in three years.目前，四个主要国有银行的三个taong定期存款利率仅为1.25％，五年利率为1.3％，定期存款下降到1％至0.95％以下。 At the same time, the "slow bull" stock market is gradually emerging. 8月15日，上海综合指数关闭了0.83％，深圳组成部分上升了1.65％，上海和深圳股市的转移达到了2.24万亿元，跌至两个质量。ion marks for three consecutive days. More than 4,600 stocks rose, with a security sector rising by 3.7%, with a net of 8.754 billion yuan. Continuing to advise the policy environment is also a necessary contribution.监管机构积极促进中型和长期资金，以进入市场并优化交易系统，以使市场对市场充满信心。 At the forefront, there is great potential for residents' deposits that flow into the capital market. In 2025, approximately 105 trillion yuan of existing fixed deposits will expire.即使是股票市场和债券市场等金融所有权的一小部分也将带来大量资本市场增长。 Kaiyuan Securities的研究和计算表明，这些资金有望在经济上流动，并为每年2025年至2030年提供高达2-3万亿美元的资金。这些资金从两个部分中增加：一个是9.21万亿元的“过度推力”，从20222年至2023年形成到另一个；其他是重新分配居民财务财产。对工业安全的研究已被教导，居民存款对股票总市场价值的当前比率为1.8的历史高度，这意味着资金增加的状况已满。