Keep an eye out for deposits! Bank deposits have a "new operation": is it reliable for deposits to send electric vehicles?
At the end of the year, major banks have begun to attract depositors, in the past we can often see banks attract depositors in a certain amount of money can send gifts, such as have, rice, paper draws, many older people are not resistant to these gifts have to say that this way of attracting depositors is more effective, and at the end of the year, after earning a year's money everyone began to prepare to deposit to the bank, we will also launch discounts for each bank, of course, the larger the discount bank, the more attractive depositors.
Recently, banks in some areas have launched more preferential activities, such as depositing 50,000 yuan to get an electric car, which is very attractive, but the benefits, but also make people doubt, will it not be very reliable.
In response to this situation, let's analyze it together, looking back at which year our country's savings rate was relatively low? Even before 2015, it will not be raised to five trillion yuan at most.
However, since 2016, this savings rate has become higher and higher, which shows that people still think that it is safer to have money in hand, so they have deposited excess money in the bank.
It's just that there are more banks in each region, which bank is more reliable, is it a state-owned bank or a local bank? This has become a problem that the people are struggling with.
To talk about what is the difference between state-owned banks and some local small banks, in fact, the biggest difference is that the interest rate will be somewhat different, for example, small banks or local banks with better efficiency, its interest rate will be correspondingly higher than that of state-owned banks, and state-owned banks because of the support of the state, so in terms of depositors, there may not be as much pressure as small banks, so the interest rate will be relatively lower.
It may seem like just a few points, but often these points will determine how many thousand dollars more or less depositors take a year, and for ordinary families, these thousands of dollars are also more important. Therefore, from the perspective of interest rates, many people prefer to put their deposits in small banks.
At the end of the year, major banks also began to compete to attract depositors, for example, some banks will launch some deposits, you can receive gifts activities, and some banks have launched as long as you deposit 50,000 yuan, the time is three years of regular time can get an electric car, this gift looks a little big. In the past, small favors, such as a bag of rice and soybean oil, may not think too much, but such a large discount as giving an electric car, a large gift, everyone will inevitably have some doubts about the authenticity, or doubt the safety of the deposit.
But from an analytical point of view, banks have a certain economic strength, so what is there to doubt about sending an electric car? Moreover, attracting a certain number of depositors is also a means for banks to improve efficiency.
If you attract a depositor, it's fifty thousand, that's 500,000, the more you attract, the higher the bank's liquidity, and if they take this deposit to enlarge it, the profit they receive will be much higher than the value of a few electric cars, so they will definitely not buy and sell at a loss.
Therefore, depositors do not need to worry too much, as long as they understand the relevant policies of the bank before depositing, they do not have to worry about being deceived, such as how much money does this electric car have to save to get, or has the right to use the electric car, or the right to own? If you want to take out this money in the middle, then how to deal with this electric car and how to calculate the interest? As long as you understand some related issues, you can save money with confidence.