With the continuous growth of the country's economy, more and more ordinary people can save money in their hands, especially now, many young people have joined the saving team. Due to the different development conditions of various countries and the living habits of the people, t

With the continuous growth of the country's economy, more and more ordinary people can save money in their hands, especially now, many young people have joined the saving team. Due to the different development conditions of various countries and the living habits of the people, the people of our country love saving money. After all, most Chinese people have experienced difficult and difficult days, so they have a very deep obsession with saving money.

The view of the Chinese people at home and abroad is that they are very hardworking and willing to work hard, so the saving strength shown by the Chinese people is also very strong. Whether working at home or abroad, many Chinese people will deposit part of their money in the bank, so that they can also pay for money to resist when difficulties arise.

For example, in recent years, due to the impact of the epidemic, many ordinary people may be quarantined at home at any time. In this process, if everyone does not have deposits, life will be very difficult, especially some people still have debts. If they cannot repay their debts, they may go to the credit reporting system, which will also affect their families. Therefore, more and more people are saving money now, but depositors need to pay attention! These four types of deposits are prohibited. What should I do if I have already deposited them?

Nowadays, both men, women, young and old, love saving money. Saving money has become a consensus among many people. Even many children nowadays have the habit of saving money. The annual pocket money New Year's money will choose to be put into the piggy bank. The reason why everyone loves saving money is mainly because the security factor of the bank is relatively high, and the bank can also give everyone a part of interest, which can also ensure that their own money can make money. However, there are four types of deposits in the bank that have been banned. People who have the idea of ​​saving money should pay attention. So, what should those ordinary people who have deposited one of these four types of deposit methods?

Although the debt situation of the post-90s and post-00s is very serious now, it is not ruled out that some post-90s and post-00s have very high deposits. The number of banks in my country is very large and small. It is understood that the total amount of banks in my country is more than 4,000. You can choose which bank to deposit money according to your actual situation. This has also made the competitiveness of the entire industry increasingly greater. In order to attract more depositors to deposit money in their own banks, each bank has also tried its best.

Many people prefer to deposit money in small and medium-sized banks, mainly because the interest provided by these banks is relatively high. Compared with state-owned banks, state-owned banks have a higher security factor, but the interest rate is lower than that of small and medium-sized banks. In recent times, among the four types of banned deposits, some deposits are caused by vicious competition among some banks. See if you have any deposits?

The first type of deposit is structured deposit

In the past, many small and medium-sized banks had this kind of deposit method. This kind of deposit business is mainly combined with finance. On the surface, it seems to be a deposit, but this kind of deposit is a financial management method with a certain degree of risk, and the risk of this kind of deposit is not small. Although it can bring a lot of profits to everyone, the risk is relatively large. However, some people will choose this way of deposit in order to gain more benefits. Now, this kind of deposit with a relatively high risk has also been stopped.

The second type of deposit is off-site deposit

Nowadays, my country's transportation is very developed, so the population flow is relatively frequent. People can handle deposits in other places, which is very convenient for those working people. Nowadays, there are many off-site deposits that can also be handled through online banks, but if you choose off-site deposits from some small and medium-sized banks, it is very likely that your money will be lost and it is very easy to be targeted by criminals.

The third type of deposit is online deposit

Most young people can solve the problem on their mobile phones, and try to choose to solve it on their mobile phones. For example, the same is true for deposits. Many young people prefer to handle deposits on the Internet. However, this kind of online deposit has also been stopped by relevant state departments. This is mainly because there are very great risks in the process of depositing. After all, if the bank you deposit does not exist as a real physical bank, once the money escapes, it may affect everyone's wealth.

The fourth type of deposit is to calculate interest based on file

Many people prefer this method of deposit, because in the past this method of deposit could not only have the flexibility of current deposits, but also have a certain degree of high interest rates, so it can meet many of everyone's requirements for deposits. However, in the process of choosing this method of deposit, everyone will also bear very large risks. In order to promote the rapid development of the industry and be stable and orderly, the country has canceled this method of deposit.

If you have already deposited one of these four deposit methods, you can also withdraw your deposit and process the interest and then choose a deposit method again.