In recent years, due to the recession of the domestic real economy, the central bank of my country has begun to lower the deposit interest rate. From the previous bank's high-interest deposit acquisition business such as the docking rate, Internet deposits, and off-site deposits,

In recent years, due to the recession of the domestic real economy, the central bank of my country has begun to lower the deposit interest rate. From the previous bank's high-interest deposit acquisition business such as the docking rate, Internet deposits, and off-site deposits, to the subsequent continuous reduction of the deposit interest rates of state-owned banks, it is now difficult to see the deposit interest rates of banks above 3%. At present, the three-year fixed deposit interest rate of state-owned banks has dropped to 2.6%. Affected by this, deposit interest rates for depositors are getting smaller and smaller.

Recently, some netizens suggested that 200,000 yuan was deposited in a state-owned bank for three years, and the interest rate was 2.6%. Is it worth depositing? Judging from the current situation, depositors have two major benefits to keeping money in state-owned banks: one is that although the deposit interest rate of state-owned banks is relatively low, it is safer to deposit money in state-owned banks, and state-owned banks are unlikely to go bankrupt, so depositors can deposit with confidence. Another is that state-owned banks have many physical outlets, and depositors can handle business by just going to a bank near their homes, which is very convenient.

As for depositing 200,000 yuan in a state-owned bank for three years, the interest rate is 2.6%. Is it worth depositing? Our answer is that we do not recommend that you do this. There are three main reasons:

first, and the 200,000 yuan deposit rate is 2.6% for three years, and the average annual deposit interest rate is only 5,200 yuan. If you deposit this 200,000 yuan to a small and medium-sized bank, you can get higher deposit interest. If you purchase large-denomination certificates of deposit from a small and medium-sized bank, you can get an interest rate of 3.05%, and the average annual deposit interest rate can reach 61 million. If you consider the interest alone, it is more cost-effective to deposit it in small and medium-sized banks.

In addition, if you place 200,000 yuan in a state-owned bank for three-year fixed deposit, it is better to buy treasury bonds. Now treasury bonds still rely on interest calculation. Even if you withdraw this funds in advance within the three-year period, you can calculate deposit interest based on the latest fixed deposit, and it will not be considered a current deposit.

In addition to purchasing treasury bonds, you can also purchase structured deposits , so structured deposits are the banks that take out part of their funds to invest in stocks, foreign exchange, gold, etc. Usually, the yield of structured deposits can also reach 4.5% to 5%. Of course, even if the investment fails, the depositors will only lose some interest at most, and the principal of depositors will not be lost.

Second, from the perspective of asset preservation, the deposit interest rate of 2.6% is really too low. As we all know, since the second half of last year, domestic prices have been rising continuously. Now, except for the prices of gasoline, , natural gas, , fertilizers, coal, etc., the prices of vegetables, meat, fruits, daily necessities, etc. that ordinary people need for their lives are rising. Domestic inflation is at least 6%. Therefore, the interest rate of 2.6% obtained by state-owned banks with 200,000 yuan is not only not able to beat the domestic inflation level, but also the yield rate of other wealth management products, , is far from keeping up.

Third, from the perspective of liquidity, 200,000 yuan is deposited in a state-owned bank for a three-year fixed deposit. If there is an urgent matter during the period, it can only be considered a current deposit, and depositors will suffer a large interest loss. In addition, who can guarantee that within the next three years, banks will no longer raise rates on ? Once the economic situation improves and the real economy gradually recovers, my country's deposit interest rates will gradually rise. Under the current situation, saving 200,000 for 3 years is a bit too long, so the deposit period should be shortened to be more secure.

.2 million is in a state-owned bank for three years, with an interest rate of 2.6%. Is it worth depositing? The answer we gave is not worth it. It is mainly analyzed from the perspectives of three aspects: the yield of deposits, asset preservation, and liquidity. It is recommended that you buy large-denomination certificates of deposit and treasury bonds with higher yields. At the same time, prices are now high, and the three-year deposit rate of 2.6% will definitely not beat inflation. More importantly, the three-year deposit period is a bit too long, and the period may be urgently needed to use money and changes in bank deposit interest rates. It is better to shorten the deposit term, which will be more beneficial to depositors.