I saw this question a few days ago: "After seeing the incidents of difficulty in withdrawing money from several rural banks in Henan, I really want to know that in 2022, there will be people going to Postal Savings Bank and rural credit cooperatives in order to get higher interest rates. Going to make a deposit? " Regarding this question, it can be said with certainty that there will be. There is no doubt about it.
Postal Savings Bank
Postal Savings Bank is a state-owned bank in terms of safety, and its safety is guaranteed; in terms of importance, it has been selected as a systemically important bank in my country, and is a type that is too big to fail; in terms of coverage Look, the Postal Savings Bank has tens of thousands of business outlets all over the country, serving more than 600 million individual customers, and it is impossible for no one to deposit money.
The banking system is related to my country's financial stability and the vital interests of the people. There may be some problems in some banks, but my country's central bank and China Banking and Insurance Regulatory Commission are here to supervise and regulate.
Nowadays, rigid payment has been broken. Overall, bank deposits are still a very safe way to manage money. We should not become frightened or even distrust state-owned banks such as the Postal Savings Bank just because certain banks have problems. That would be too much.
Rural Credit Cooperatives
Village banks and rural credit cooperatives often fall into the category of small and medium-sized banks. Small and medium-sized banks generally have lower comprehensive strength than state-owned banks. In order to attract deposits and increase their attractiveness, they often increase deposit interest rates appropriately. Therefore, some people will save money in small and medium-sized banks for higher interest rates and more interest.
Bank bankruptcy in our country is a small probability event, not even reaching one in a thousand. Our country also has the " deposit insurance regulations ". As long as you ensure that the bank has a deposit insurance logo (this is very important because there are "fake banks") and the expected sum of principal and interest deposited in it does not exceed 500,000, then even if the other party Even if you go bankrupt, you can get full compensation. Therefore, deposits in small and medium-sized banks are theoretically guaranteed.
In addition, rural credit cooperatives do not refer to a certain bank, but to a category. There are many rural credit cooperatives in our country. If no one deposits money, will all rural credit cooperatives be closed down? I also know that the central bank will not let this happen. However, it is inevitable that the incident of withdrawals from rural banks will affect some people's enthusiasm for depositing money in small and medium-sized banks.
And if you want to deposit in such small and medium-sized banks, because banks are also people doing things, sometimes it is difficult for us to ensure that there will be no unscrupulous employees or shareholders who will make shady operations, causing the deposits to be pledged, disappear, difficult to withdraw, and change. Insurance, bank financing, etc. Therefore, we need to do more research on the bank before depositing money to see if there is any dark history. After depositing, we should pay attention to the other party's movements to see if there are any bad signs. If something goes wrong, see if we can get out in time.
Steady increase in passive income
If you value the safety of funds, when choosing a bank, you can try to choose in the order of state-owned banks, national joint-stock commercial banks , and small and medium-sized banks. If you want to be safer, you can choose treasury bonds issued based on national credit, which is considered the safest investment tool.
If you value profitability more than safety and profitability, you can store most of your funds in the above safe methods. Considering that deposit interest rates are now falling, savers can increase the value of a small part of their funds in a more secure way that is consistent with the general trend. Do not choose riskier methods such as stocks and stock funds lightly. The current situation is not good, so if you want to speculate in real estate or start a business rashly, you must be cautious.
Of course, you can also choose the foreign trade industry, which is the general trend. It is one of the troika that drives my country's economic growth and has always been protected by a series of national policies to stabilize foreign trade. With the strong support of policies, some foreign trade economic platforms have emerged, allowing Chinese people to enjoy 12% annualized profits in a 30-day period, which is safe, secure and risk-free.
In short, not all small and medium-sized banks will go into trouble or go bankrupt. State-owned banks are more secure and creditworthy. Deposits in banks are relatively safe at the moment. We don’t need to be too cautious. We might as well master some economic knowledge, or be able to Deposit into safer and more cost-effective products and get more interest.
