Postal Savings Bank is a state-owned institution and the sixth largest state-owned bank after the five major banks. It is worth noting that the branches opened by Postal Savings Bank of China are among the top in the country, mainly facing the rural class, with outlets covering all townships. my country's postal savings fixed deposit interest rate has risen, deposit interest is higher than financial management interest, and annual interest is more eye-catching!
deposit interest rate is the economic leverage for banks to absorb deposits and is an important factor affecting bank costs. The deposit interest rate is determined by the state based on objective economic conditions, currency circulation and market material supply and demand, combined with the interests of all parties, and is determined in a planned manner. In order to promote the increase in small and micro adjustments, the one-year fixed deposit benchmark interest rate is uniformly implemented.
Central Bank lowered interest rates, and at this time everyone was more worried about the interest on mortgage loans and bank owner loans. In particular, the hard-earned money of most rural people is stored in the Postal Savings Bank or rural commercial banks. What makes people wonder how much interest should be incurred? With the implementation of new asset management regulations, the guaranteed financial products issued by banks will gradually withdraw from the market, and the risks will increase accordingly.
Post savings deposit annual interest rate is 2.03%, current deposit spot interest rate is 0.35%, while other banks have an annual interest rate of 1.78%, and current deposit annual interest rate is 0.3%. The Postal Savings Bank's five-year fixed deposit rate is 2.75%. Despite the high interest rates for five-year large deposits, the highest is 4.125%. After the interest rate is adjusted, the deposit interest rate of the employee housing provident fund account will be unified and the one-year deposit interest rate is used as the benchmark, which shows that many people are still willing to save money. The biggest advantage of putting money in the bank is that it is safer, especially in today's turbulent financial market environment, you will get more profits from monetary funds; compared with other financial products, it is safer and has a more stable income. For example, if you have a deposit of 200,000 yuan a year, the interest may be around 4,000 yuan, but if you optimize it, the interest may exceed 10,000 yuan.
