preface
Some banks began to "collect savings war", deposits 100,000, a thousand a year, deposits 10,000, deposits 1,000, savings have money to earn, after this incident, people's financial concepts have undergone earth-shaking changes, the former young people, are to make money and spend money.
But now, with the changes in the economy and many other fields, people's attitudes towards money have also changed a lot, and many people are looking at savings. According to the statistics of relevant departments, in the process of the outbreak of the virus, the people's savings have been rising, taking the population of more than 1.4 billion as an example, the per capita savings have reached more than 69,900 yuan.
With the rise in the price of food, pork and eggs, everyone felt it, especially pork, which reached more than forty yuan a pound. In order to cope with such situations, many people are slowly saving money in case of emergency.
Some people may think that it is better to put this money somewhere else than to put it in the bank, but in fact, putting this money in the bank, there is no loss and even great benefit. Moreover, he can also deposit those funds he does not need in the bank, which will be safer.
Although many financial institutions will provide some financial services, the price of these services is not too high compared to banks. Perhaps some people will scoff at this, they make it clear that in fact, saving for a term is not as good as buying a fund, and the return is minimal.
It can be seen that every bank has the possibility to adjust the interest rate of deposits according to the amount of deposits. Therefore, the competition between major banks is also very fierce, such as the branches of large banks, which are not doing very well, while small banks attract customers through various financial tools.
They offer high interest rates, mainly to get customers to continue to spend money on purchases, or to make deposits. With the rise of this trend, there are more and more financial institutions, the entire financial system has begun to become a little chaotic, and the central bank has adjusted accordingly.
After a period of rectification, many products with very high interest have disappeared one after another, and so far, products with high interest seem to have disappeared. In some banks, if you want to get a deposit, then you can put money into your account, but you can put money into your account.
But several banks have taken a different approach, using Beijing's Zhongguancun as an example to launch higher-interest products. In this product they launched, the interest rate for the five-year term is 4.875%. From the perspective of interest, suppose a depositor has 10,000 yuan and chooses a five-year term.
In other words, he can earn 4.875 yuan a year. In contrast, financial products launched by other platforms have much higher interest rates. This makes many depositors wonder, why use such a high interest rate to attract deposits?
But in fact, many banks are facing operational difficulties or even losing money, and some banks are forced to launch high-interest wealth management products.
For example, on some deposits, the interest rate is as high as four percent, or even five percent. Suppose we have about 100,000 yuan of idle cash, and as a kind of savings, we can get about 4 or 5,000 yuan of interest a year. The more you deposit, the more you will get in return.
According to the statistics of relevant departments, two years ago, the per capita disposable income of the country was about 32,000, perhaps, with a million, you can go to start a business, with a million, you can deposit in the bank, and interest alone can solve daily expenses.
summary
However, if we did get the money, I think most people would choose to invest it instead of putting it in the bank.