Chinese people are famous for their liking to save money. Now the domestic savings rate reaches 45%, far higher than the global level of 29%. This is mainly to deal with emergencies such as epidemics, unemployment, and diseases. In addition, I usually save a little money every month and use the method of building a tower to make a tower to pay for the down payment for buying a house, house decoration, and large-scale home appliances in the future. Of course, depositing a sum of money in the bank can also obtain stable interest income.
However, in the past two years, the bank's interest rate has been on a downward trend. In the first half of last year, after , the central bank stopped banks' high-interest deposit acquisition business such as bank interest calculation, off-site deposits, and Internet deposits, it began to cut the reserve requirement ratio and interest rate cuts in the second half of the year. Now even the bank's 3-year large-denomination certificates of deposit interest rate has dropped from 3.98% before to 3.35% now. It is now difficult for domestic banks to see deposit interest rates of more than 4%.
Recently, some netizens suggested that some banks launched a three-year "regular" with an annual interest rate of 4.12%, but they required a deposit of 50,000 yuan. I asked if they could be deposited? In this regard, let’s analyze:
First of all, if the bank that launches this interest rate is a state-owned bank, it is likely that the staff will ask the customer to purchase bank wealth management products or dividend insurance sold by the bank. Because the fixed deposit interest rates of state-owned banks are strictly controlled, it is impossible to give deposit interest rates of more than 4%. Moreover, the threshold for large-denomination certificates of deposit in state-owned banks is relatively high, and they all require deposits of more than 200,000 yuan. This is only 50,000 yuan as the deposit threshold, and it is obviously not a large-denomination certificate of deposit of state-owned banks.
Furthermore, if it is a "large deposit" business launched by small and medium-sized banks, then the launch of a three-year fixed deposit interest rate is 4.12%, and a 50,000 deposit is required, which is still possible. Now small and medium-sized banks are subject to the deposit interest rate limit, and is relatively small. In order to attract deposits at high interest rates and absorb more depositors, it is still possible to give interest of 4.12% of the "large deposit" interest. However, it is necessary to remind everyone that there are still certain risks for small and medium-sized banks to acquire deposits at high interest rates.
Finally, some banks may also launch structured deposits , which can also give 4.12% interest. Now, in order to attract deposits at high interest rates, some small and medium-sized banks have launched structured deposit business. The so-called structured deposits mainly use a portion of depositors' deposits to invest in stocks, funds, , foreign exchange, gold and other high-yield varieties.
If the investment is successful, depositors can get this 4.12% interest. If the investment fails, although the depositors' principal is also guaranteed, the interest income is likely to be significantly reduced, or even zero. Therefore, while purchasing structured depositors should also consider the risks behind them.
In fact, for depositors, if the bank gives a deposit interest rate of 4.12%, it must do three things well: First, we must figure out the reason why the bank gives such a high interest rate, whether to let the depositors purchase bank wealth management products or dividend insurance. Saving users must not buy financial products by mistake by greed for high interest rates. Once the bank deposits and production go bankrupt, the depositors' funds will be no guarantee.
Second, depositors can go online to check whether the bank has been punished by regulatory authorities many times. If so, you should keep the deposit funds within 500,000, or simply not deposit them. Third, depositors should ask the bank for paper certificates of deposit. Because of paper certificates of deposit, even if the bank goes bankrupt, depositors can quickly get corresponding compensation as long as they have paper certificates of deposit.
