Introduction
Generally speaking, when it comes to bank deposits, it is often the traditional impression of low returns and low risks. But if it is said, in some cases, the deposit interest rate can be as high as 4.2%, but there is a certain Requirements.
Normally, the People’s Bank of China adjusts deposit interest rates based on the actual conditions of the financial market. Previously, in order to encourage public deposits, the deposit interest rates set by the state were the highest in history. Compared with the current situation, It can be described as two realms. The reduction of deposit interest rates does not mean that people no longer need to deposit in the era of low deposits. Of course, in order to attract depositors, banks will also make adjustments so that people can choose the bank's financial products at a glance.
When it comes to deposits, there are generally two types of deposits in my country. One is demand deposits. is the most basic business of banks and the easiest way for ordinary people to access and obtain financial management. After all, the original intention of deposits was not to realize "money making money", but more a way of saving household income, which was taken out when needed.
Another type is: time deposit, Compared with demand deposit, the interest rate of time deposit is higher, but because it is fixed time, it cannot be withdrawn at any time. A saving method is only suitable for people who are not under high economic pressure in the short term. The deposit period is generally 3 to 5 years, and the deposit interest rate can reach up to 3%. Underestimate.
The above is the deposit interest rate standard of the six major banks in my country, which are relatively low in comparison. Bank deposits are also a sense of peace of mind. , after all, these banks are representative to some extent In the country, it is almost impossible for problems such as bankruptcy or rupture of the capital chain to occur. After the People's Bank of China implemented interest rate liberalization in 2015, the deposit interest rates introduced by the six major banks were basically at the bottom.
However, the actual situation is that there are many local banks in my country, such as: Bank of Ningbo, Datong Bank, Fudian Bank to attract depositors and so on. When you make a deposit in your own bank, the interest rate has even risen to an astonishing 5%. Normally, compared with my country's six major banks, these types of local banks have higher fixed deposit interest rates. Of course, the deposit interest rate of about 5% is not exclusively owned by local banks, and state-owned banks are not without deposit methods with high interest rates.
Regarding the deposit methods of state-owned banks with high interest rates, they are usually not put on the table and displayed to the public. There are certain restrictions on this type of deposit, and such conditions are often The requirements are high, and it is difficult for ordinary families to bear it. The most obvious condition is that the deposit amount must reach the amount required by the bank, and the second is that the deposit time must be within the time required by the bank.
However, when the customer deposits 100,000 yuan, the bank's deposit interest rate can be increased to 4.2%, but this is not the deposit interest rate set by the bank itself, so is there any risk? ? essentially wants to attract major customers deposits in this way. Under normal circumstances, the 3-year interest rate is generally 3.5%. After the deposit period is five years, there is no standard for a fixed interest rate, and the bank can introduce the corresponding interest rate based on the deposit of the depositor. Generally, as long as guarantees that the income of the loan can be higher than the expenditure of the deposit interest rate, the bank will not lose money in the business.
At present, the deposit interest rate of many banks is very high, and the purpose of people's loans is often to buy a house or a car, and the move is a loan of hundreds of thousands of millions, which is a huge amount. , And the interest on loans is undoubtedly dozens of times the interest on deposits. If a bank has a mortgage business, it means that a large and stable source of funds is needed. At this time, the money deposited by depositors in the bank can realize the circulation of banking business, which can further attract more depositors to deposit money Save it in the bank.
Of course, some people will be suspicious of this financial product and feel unsafe, not to mention the central bank's more stipulated deposit interest rate of 3.5%, which completely exceeds the standard set by the central bank. Under normal circumstances, the formal processing of 100,000 yuan, five years, then there is almost no problem with security.This is because banks will prepare reserve funds for depositors to prevent emergencies, leading to a certain branch, a break in the capital chain and other bad conditions to travel, unable to repay debts and other problems. With a clear contract and face-to-face signing of the agreement, security can be the most obvious guarantee.
Compared with other financial products, bank deposits are essentially a low-risk financial management method that does not require risk awareness and investment awareness. It is the easiest way for the general public The financial management method that can be relieved, You let a person's hard-earned money, pick up investment, it is not realistic at all. If you do not pay attention, your savings may be wiped out in an instant. If it is necessary to say whether the deposit is worth it or not, if it is, then save it. After all, not everyone can bother to pay attention to the stock market every day and so on.
Concluding remarks
From the point of view of income, this large deposit can indeed bring more interest, higher principal and higher profits than fixed-term and current deposits. Of course, compared with other financial management methods at this stage, there is almost no financial management method comparable to deposits. However, deposits are ultimately a kind of financial management product. After all, they still need a personal choice. The benevolent sees the benevolent and the wise sees the wisdom. As long as the profit can be ensured on the premise of safety, saving is not a good choice.
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