The country’s structured deposit market is benefiting from a low-interest-rate environment and heightened volatility in the equity market.
The downward trend of risk-free rate in China is shifting domestic investors ’ investment appetite , with 10-year government bond yield hovering near its lowest level in a year. Zhu Long, head of s trategy i ndex b usiness at Shanghai Pudong Development Bank (SPDB) , shared tha t the risk-free interest rates have generally trended downward throughout 2026, driving continued demand for higher-yielding investment solutions. While the stock market offers the prospect of highe