Xinhua News Agency, May 9, this reporter learned that a bank's Beijing branch cut the three-year deposit rate of less than 300000 yuan from now on. Since the beginning of this year, a number of small and medium-sized banks and joint-stock banks have reduced deposit rates one after another. The reporter visited a number of bank outlets in Beijing and learned that consignment insurance has become a key product promoted by bank account managers, among which life insurance is very popular. Experts suggest that investors should balance the relationship between risks and returns and allocate multiple assets. (China Securities News)