Since the deposit interest rates in the banking industry have been generally lowered, depositors' mentality has quietly changed. In the past, they would try every means to handle businesses with higher deposit interest rates, but now they seem to be open-minded. As long as the an

Since the deposit interest rate in the banking industry has been generally lowered, depositors' mentality has quietly changed. In the past, they would try every means to handle businesses with higher deposit interest rates, but now they seem to be open-minded. As long as the annualized interest rate is not too low, or can be close, they will apply for fixed or large-denomination certificates of deposit , especially for pursuing high returns, it is considered a complete abandonment. After all, the three-year fixed interest rate of state-owned banks has been lowered to 2.60%, and the five-year fixed interest rate has dropped to 2.65%. In the context of the decline in the deposit interest rate of , it is undoubtedly difficult for depositors to seek deposit products with higher annualized yields.

In addition, for the large-denomination certificate of deposit business that we are going to talk about today, the situation in the entire banking industry is that not only has the deposit interest rate dropped a lot, but the amount has also become very limited. This is a relatively rare phenomenon in history, but it has frequently occurred in recent years, especially in terms of deposit interest rates, which has experienced many declines, which has completely lost its temper to a certain extent. However, nowadays, not only is the annualized income lower, but the amount is also relatively limited. This is really not a serious matter in previous years. Now the annualized interest rate is lowered and there is a need to buy it at the same time. This is the most appropriate way to describe it as a turn of feng shui.

Of course, taking some joint-stock commercial banks as an example, the current three-year large-denomination certificate of deposit interest rate has dropped to 3.25%, a decrease of 0.15 percentage points from the previous 3.40%. The total income of depositors deposited 200,000 yuan was reduced by 900 yuan, and the total interest generated in three years was only 19,500 yuan, which is obviously lower than 20,000 yuan compared with the deposit interest rate before the reduction. This fully demonstrates that the bank's decline in medium- and long-term deposit interest rates this time is quite strong, which is also in terms of 5-year deposit interest rates. Since the interest rate of some banks in three years of large-denomination certificates of deposit has dropped to 3.25%, how about the interest rate of savings treasury bonds ?

First of all, the interest rates of large-denomination certificates of deposit in some banks in three years fell to 3.25%, which is at a relatively high level in the entire industry. At least it is higher than the annualized interest rates of large-denomination certificates of deposit in the same period, because the interest rates of large-denomination certificates of deposit in many large-denomination banks such as ICBC , Agricultural Bank of China , Bank of China and other large-scale state-owned banks have all made a large-denomination certificate of deposit interest rates of large-denomination certificates of deposit in many large-scale state-owned banks such as ICBC , Bank of China , and Bank of China have all entered the interest rates of large-denomination certificates of deposit in many large-scale state-owned banks. After the reduction, the interest rate is generally maintained at the basic level of 2.0% for one year, 2.5% for two years and 3.1% for three years, and is the lowest in the entire industry. Obviously, the three-year large-denomination certificate of deposit interest rate of 3.25% for joint-stock banks is relatively high. With the starting capital of 200,000 yuan, the interest generated in a year is 6,500 yuan, while the interest rate for state-owned banks is only 6,200 yuan per year, and the annual interest rate is obvious.

Secondly, for savings treasury bonds that many people often subscribe to, according to the official website of the Ministry of Finance, the interest rate of 's issuance of savings treasury bonds (certificate-type) on September 10 was lowered again, with the face-to-face annual interest rate of 3-year tickets falling to 3.05%, and the face-to-face annual interest rate of 5-year tickets falling to 3.22%. The third period is 3 years, with a maximum issuance amount of 15 billion yuan. The fourth period is 5 years, with a maximum issuance amount of 15 billion yuan. Both periods are fixed interest rates and fixed term varieties, with the maximum total issuance amount of 30 billion yuan, and the interest rates of both are lowered. Of course, although the interest rate of treasury bonds has dropped again, due to its high security, low purchase threshold, and flexible monetization, it has always been loved by investors, especially stable investors, especially middle-aged and elderly investors, with a high willingness to purchase treasury bonds.

Through a simple comparison, some banks have a three-year large-denomination certificate of deposit interest rate of 3.25% 0.2 percentage points higher than the treasury bond interest rate. When the deposit interest rate in the entire industry generally declines, the difference in annual interest rates is significant when the annual interest rate is 0.2 percentage points. If investors have idle funds of 200,000 yuan and purchase treasury bonds with a three-year certificate of deposit is 18,300 yuan, while some joint-stock banks have handled 3-year large-denomination certificates of deposit and actually executed an annual interest rate of 3.25%, then the final total income is 19,500 yuan. Obviously, the two have different financial channels. With the same investment period, the three-year large-denomination certificate of deposit interest rate of 3.25% is 1,200 yuan higher than the treasury bonds in terms of returns.

To sum up, although the interest rate of three-year large-denomination certificates of deposit has dropped to 3.25%, it is 0.2 percentage points higher than the interest rate of savings treasury bonds. Therefore, with the same deposit funds, the income generated by three-year large-denomination certificates of deposit is significantly higher than that of treasury bonds.