In 2026, $10.5 trillion in Chinese time deposits mature, prompting shifts to low-risk assets and rate hikes by banks to retain savers.

In 2026, about 75 trillion yuan in Chinese household time deposits, including 67 trillion yuan with maturities of one year or longer, will mature, testing investor risk appetite. Most savers are expected to shift funds into low-risk assets like bank wealth management products, money market funds, and fixed-income instruments, which dominated the market by late 2025 with over 95% rated moderate-to-low risk. Some higher-risk capital may flow into equities or linked products, supporting market liquidity and recovery. To retain deposits amid competition, especially smaller banks have raised rates on large-denomination CDs and long-term deposits, issuing over 600 such announcements since early 2026, primarily to attract local customers.