Today, ordinary Chinese are known for their passion for saving, and people generally believe that if they have enough savings, something unexpected will happen in the future. The safest thing for ordinary people is to put their money in the bank because they trust the financial institutions.
It is precisely because of this that our country can far exceed the global average in this regard and become the world's largest saver. When you get to the bank, there are many ways for you to choose, one is a large deposit certificate, the second is a fixed deposit, and the third is a current period.
Many people will choose time deposits, and the time of time deposits is generally between one and five years, but usually, bank staff will not recommend ordinary depositors to do three-year time deposits. A bank worker told the truth.
With the continuous development of the national economy, there have been many kinds of financial products in the financial market, however, because the general public has a relatively insufficient understanding of these financial products, so they often do not easily buy, their choices are often the same as in the past, that is, fixed deposits. Although the interest rate of the loan is very low, the advantage of the loan is that it is more secure and stable.
Other financial products have some defects, such as high requirements, high risks, etc., so this investment model is only suitable for a few people. As mentioned earlier, in the fixed deposit business carried out by the bank, according to the age of the depositor, the annual interest rate will be different, under normal circumstances, the bank does not recommend that depositors choose 3-year fixed deposit, but recommend that general depositors choose 5-year fixed deposit. A five-year fixed deposit is recommended to depositors because it is more beneficial to banks.
That is, banks can hold depositors' deposits for a longer period of time, and during that time, they can move deposits to more places, for example, to business.
Moreover, banks earn much more from lending than the interest rates they pay depositors. In addition, bank staff do not recommend the general public to use three-year time deposits. There are many reasons for this, not the least of which is that at work, bank staff are also under some pressure to perform their jobs. Whether they can raise their wages depends on their performance.
This means that they can get a higher salary and a higher commission every month.
From their own point of view, banks do not encourage bank deposits for three years, because bank deposits are not very large, and bank deposits for three years, that is, there will be no new deposits in three years. In this situation, it is difficult for the bank staff to make any progress.
Of course, it is not completely unreasonable not to recommend three-year fixed deposits, and in a certain period of time, in the case of good economic development, banks will also recommend depositors to adopt three-year fixed deposits. Through this method, they will have more money in their hands, and after having a large amount of capital, they can also get more profits through this method.
In addition, many depositors themselves are reluctant to introduce a three-year fixed deposit system. Time deposits have their pros and cons, the advantage is that they have a higher annual interest rate and can get better returns.
However, there is also a disadvantage, that is, the money stored in the bank in this form, can not be used casually, if there is something urgent to use, if you have to use, then it can only be calculated according to the interest rate of the demand, in that case, it will cause great losses. In contrast, three-year fixed deposits, on the contrary, are the most popular, after all, three-year deposits, there is not much benefit. For those who make one-year fixed deposits, the interest rate is lower, but more flexible. A five-year fixed deposit, on the other hand, will give you much less flexibility and a much higher interest rate.
If depositors have more money in their hands, they will also choose large certificates of deposit, because both are deposits, and the annual interest rate of large certificates of deposit is higher. However, there are also some requirements for this kind of business choice, and most people do not meet this requirement. In addition to the points mentioned above, government bonds are also a financial product that is both safe and stable, and has relatively high yields.
In fact, this is a public bond issued by the government, so the safety and stability of public debt are beyond doubt. Of course, this bond also has one of the biggest drawbacks, that is, each issuance is limited and not available to everyone.
The ending part
Through the above analysis, we can see that the average person is more inclined to choose bank fixed deposit, which is both safe and guaranteed, and can obtain considerable interest rates, and more importantly, its threshold is also lower.