{"topic":{"id":15183,"title":"1 年期存款利率低至 1.1%，但通货紧缩，是不是和前几年 1 年期存款利率 4%，但通货膨胀效果一样？","slug":"topic","categoryId":4,"createdAt":"2025-10-15 03:12:10.083959","bumpedAt":"2025-11-09 12:21:48.998566","views":144,"postsCount":2,"highestPostNumber":2,"likeCount":0,"closed":false,"pinned":false,"excerpt":"https://www.cnbc.com/2025/10/15/china-cpi-ppi-deflation-september-trade-worries.html 我妈抱怨银行存款利率低，1 万存一年就 100。虽然 1 年期存款利率低至 1.1%，但通货紧缩，是不是和前几年 1 年期存款利率 4%，但通货膨胀效果一样？","deletedAt":null,"isAnonymous":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":4668,"username":"IO","name":null,"avatarUrl":"/uploads/image/86/f2/86f267c0aaa73835a999b7cc3a7e7a701605574eda9a2c2a56f5ddbbba64d1a9.avif"},"tags":[]},"posts":[{"id":66980,"postNumber":1,"raw":"https://www.cnbc.com/2025/10/15/china-cpi-ppi-deflation-september-trade-worries.html\n\n我妈抱怨银行存款利率低，1 万存一年就 100。\n\n虽然 1 年期存款利率低至 1.1%，但通货紧缩，是不是和前几年 1 年期存款利率 4%，但通货膨胀效果一样？","cooked":"

https://www.cnbc.com/2025/10/15/china-cpi-ppi-deflation-september-trade-worries.html

我妈抱怨银行存款利率低，1 万存一年就 100。

虽然 1 年期存款利率低至 1.1%，但通货紧缩，是不是和前几年 1 年期存款利率 4%，但通货膨胀效果一样？

\n","createdAt":"2025-10-15 03:12:10.20261","updatedAt":"2025-10-15 03:12:10.20261","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":62,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":4668,"username":"IO","name":null,"avatarUrl":"/uploads/image/86/f2/86f267c0aaa73835a999b7cc3a7e7a701605574eda9a2c2a56f5ddbbba64d1a9.avif","admin":true,"moderator":false,"signatureRaw":"","signatureCooked":null}},{"id":67896,"postNumber":2,"raw":"最近发现，除了 1 年期定期存款有 1.1% 的年化利率，1 个月大额存单（>200k）有 0.9% 的年化利率，还有很多准活期的方式也许能实现 1% 的利率。\n\n交易型货币市场基金：\n华宝添益 ETF 511990 七日年化收益率:1.009%\n银华日利 ETF 511880\n\n此外，\n国债逆回购、质押式报价回购，也有较灵活的存款期限。\n\n而且也不复杂，在线进行券商开户即可，注意找低佣金的开户方式。\n\n**仅代表个人看法，不构成投资建议**","cooked":"

最近发现，除了 1 年期定期存款有 1.1% 的年化利率，1 个月大额存单（>200k）有 0.9% 的年化利率，还有很多准活期的方式也许能实现 1% 的利率。

交易型货币市场基金：
\n华宝添益 ETF 511990 七日年化收益率:1.009%
\n银华日利 ETF 511880

此外，
\n国债逆回购、质押式报价回购，也有较灵活的存款期限。

而且也不复杂，在线进行券商开户即可，注意找低佣金的开户方式。

仅代表个人看法，不构成投资建议

\n","createdAt":"2025-11-09 12:21:48.998566","updatedAt":"2025-11-09 12:21:48.998566","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":162,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":7075,"username":"jbden","name":null,"avatarUrl":"/uploads/image/1e/8b/1e8bab3b6f297391fe23ceb66e7a57cad9bc903396007c9a08d6536889e5dcfe.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}}],"hasMore":false,"lastReadPostNumber":2,"hasUrlPostNumber":true}