If a resident has a savings of 100,000 yuan, have you ever thought about what kind of bank you would choose to deposit it in? Today we will talk about two well-known banks, post and construction.
These two banks are both affiliated with my country's state-owned banks. On the surface, there is not much difference between the two banks, but in the blind area that residents cannot see, there is a big difference between the two banks. So which of these two banks is better for you to park your money with? Let’s find out together!
1. The interest difference between the two banks
When choosing a deposit bank, we will first consider the security of the bank. Of course, the security of these two banks is very trustworthy. There is no doubt about this.
Secondly, we will think about which bank can help us maximize our interests. So which of these two banks is more cost-effective for deposits? Take the three-year deposit interest rate as an example:
Postal Bank : As the end of the year approaches, Postal Bank has increased the bank's deposit interest rate. The current interest rate can reach 3.44%, and 100,000 yuan can generate 3,440 yuan in interest.
China Construction Bank: As an old state-owned bank, its deposit interest rate is 2.75%, and 100,000 yuan can generate 2,750 yuan in interest.
Comparing the two banks, the difference in interest rate is nearly 700 yuan. Under normal circumstances, after seeing such a comparison of income, depositors will definitely choose Postal Bank first. However, it is worth noting that Postal Bank has introduced many insurance products over the years. Although the risks are not as high as financial management products, they are not as good as deposit products.
Therefore, if you encounter a particularly high deposit interest rate offered by Postal Bank, you must carefully identify it to avoid purchasing insurance products.
2. Depositors’ attitude towards the two banks
Although both banks are state-owned banks, there is no problem with the security of deposits. However, with the changes in the financial market, Postal Bank has developed more and more businesses, among which insurance business is the most proficient business of Postal Bank. Of course, many depositors have been "deceived" into buying insurance products to some extent when handling business at the postal service. Therefore, many residents have a worse and worse impression of Postal Bank.
On the other hand, although China Construction Bank also introduces insurance products, it is rare for depositors to comment on this aspect, and sometimes China Construction Bank's deposit interest rates are higher than other banks. Many times, depositors who want to enjoy high interest rates will choose to consider China Construction Bank.
Of course, as long as you choose deposit products from the two banks, there is basically no problem. As for which bank to choose, depositors need to go online to learn about the services of the following two banks before making deposits.
3. Increase income
Of course, with the development of the financial market, coupled with the increase in life pressure. Today's residents will not only choose to store their money in banks, but also choose new channels with high security and low risk. For example, ordinary consignment sales in the foreign trade economy that have emerged with policy support can achieve a 1% share of the money received within 30 days.
In short, among the six state-owned banks in my country, no matter which bank you choose, you will not go wrong. As for the interest rates, basically the deposit interest rates of the six banks will be adjusted at the same time, and there will not be a big difference in the interest rates in the middle. So if so, which bank would you choose?
